BlastPoint's Credit Union Scorecard
PORT ARTHUR COMMUNITY
Charter #7023 · TX
PORT ARTHUR COMMUNITY has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.65% above tier average
- + Strong member growth: 16.4% YoY
- + Member Growth Rate: Top 2.0% in tier
- + Net Charge-Off Rate: Top 6.9% in tier
Key Concerns
Areas that may need attention
- - ROA 1.14% below tier average
- - Efficiency ratio 15.15% above tier (higher cost structure)
- - Delinquency rate 0.09% above tier average
- - AMR Growth Rate: Bottom 4.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,355
+16.4% YoY-0.1% QoQ
|
-321 |
2,676
+1.6% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
58% |
| Assets |
$20.2M
+3.5% YoY+0.8% QoQ
|
$-10.0M |
$30.2M
+1.3% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
48% |
| Loans |
$13.0M
-4.1% YoY-1.0% QoQ
|
$-2.3M |
$15.3M
-2.0% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
58% |
| Deposits |
$17.7M
+6.1% YoY+1.2% QoQ
|
$-8.1M |
$25.8M
+0.7% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
49% |
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| ROA |
-1.0%
+788.4% YoY+60.1% QoQ
|
-1.1% |
0.1%
-77.6% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 8.4% in tier |
| NIM |
4.7%
-2.3% YoY-0.3% QoQ
|
+0.6% |
4.0%
+4.0% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
81% |
| Efficiency Ratio |
105.8%
+9.6% YoY+7.0% QoQ
|
+15.2% |
90.6%
+6.5% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
Bottom 12.0% in tier |
| Delinquency Rate |
1.6%
+43.5% YoY-16.3% QoQ
|
+0.1 |
1.5%
+3.8% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
76% |
| Loan To Share |
73.2%
-9.6% YoY-2.2% QoQ
|
+14.7% |
58.5%
-3.0% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
72% |
| AMR |
$13,031
-12.7% YoY+0.4% QoQ
|
$-2K |
$14,884
-1.7% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
45% |
| CD Concentration |
23.6%
+3.3% YoY-0.9% QoQ
|
-0.7% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.9% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)