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 0.72% above tier average
- + Strong member growth: 12.0% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 2.4% in tier
Key Concerns
Areas that may need attention
- - ROA 1.24% below tier average
- - Efficiency ratio 16.32% above tier (higher cost structure)
- - Delinquency rate 0.35% above tier average
- - AMR Growth Rate: Bottom 6.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,358
+12.0% YoY-0.6% QoQ
|
-257 |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
58% |
| Assets |
$20.1M
+2.9% YoY+1.1% QoQ
|
$-10.1M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
48% |
| Loans |
$13.1M
-4.4% YoY-2.2% QoQ
|
$-2.7M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
58% |
| Deposits |
$17.5M
+4.9% YoY+2.1% QoQ
|
$-8.2M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
49% |
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| ROA |
-0.6%
+462.0% YoY+484.2% QoQ
|
-1.2% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 7.7% in tier |
| NIM |
4.7%
-2.3% YoY-2.3% QoQ
|
+0.7% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
78% |
| Efficiency Ratio |
98.9%
+5.5% YoY+2.1% QoQ
|
+16.3% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
Top 12.4% in tier |
| Delinquency Rate |
1.9%
-31.4% YoY-12.9% QoQ
|
+0.3 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
77% |
| Loan To Share |
74.8%
-8.9% YoY-4.2% QoQ
|
+14.2% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
71% |
| AMR |
$12,983
-10.1% YoY+0.8% QoQ
|
$-2K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
46% |
| CD Concentration |
23.8%
+9.7% YoY-1.1% QoQ
|
-0.6% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 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)