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 0.85% above tier average
- + Strong member growth: 16.6% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 2.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.79% below tier average
- - Efficiency ratio 15.44% above tier (higher cost structure)
- - Delinquency rate 0.67% above tier average
- - AMR Growth Rate: Bottom 4.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,372
+16.6% YoY+0.4% QoQ
|
-253 |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
58% |
| Assets |
$19.8M
+0.1% YoY+1.5% QoQ
|
$-10.0M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
48% |
| Loans |
$13.4M
-2.5% YoY-3.1% QoQ
|
$-2.4M |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
58% |
| Deposits |
$17.2M
+1.4% YoY+3.4% QoQ
|
$-8.3M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
49% |
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| ROA |
-0.1%
-195.5% YoY-44.5% QoQ
|
-0.8% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 13.7% in tier |
| NIM |
4.8%
+1.4% YoY-0.1% QoQ
|
+0.8% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
81% |
| Efficiency Ratio |
96.8%
+4.1% YoY+0.6% QoQ
|
+15.4% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
Top 13.9% in tier |
| Delinquency Rate |
2.2%
+4.3% YoY-22.1% QoQ
|
+0.7 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
82% |
| Loan To Share |
78.1%
-3.9% YoY-6.4% QoQ
|
+16.8% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
75% |
| AMR |
$12,883
-14.5% YoY+0.0% QoQ
|
$-2K |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
45% |
| CD Concentration |
24.1%
+13.1% YoY-1.7% QoQ
|
-0.3% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
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)