BlastPoint's Credit Union Scorecard
PORT ARTHUR TEACHERS
Charter #8413 · TX
PORT ARTHUR TEACHERS has 3 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.24% above tier average
- + Net Interest Margin 0.37% above tier average
- + Fee Income Per Member: Top 8.0% in tier
Key Concerns
Areas that may need attention
- - Net Charge-Off Rate: Bottom 3.1% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 239 that size in Texas.
- Shares and deposits +5.8% year over year ($31.5M in shares and deposits).
- Membership: 3,023 members, -1.6% vs a year ago.
- Delinquency rate 0.35%.
- Return on assets 1.73%.
- Efficiency ratio 66.83% vs a 88.77% peer average.
- Loan-to-share ratio 30.06% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,023
-1.6% YoY-1.4% QoQ
|
+437 |
2,585
-1.7% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
68% |
| Assets |
$38.0M
+6.1% YoY+1.4% QoQ
|
+$7.7M |
$30.3M
+1.5% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
67% |
| Loans |
$9.5M
+1.0% YoY+7.9% QoQ
|
$-6.0M |
$15.5M
-1.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
50% |
| Deposits |
$31.5M
+5.8% YoY+1.5% QoQ
|
+$5.7M |
$25.8M
+1.1% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
66% |
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| ROA |
1.7%
+143.5% YoY+40.9% QoQ
|
+0.2% |
1.5%
+241.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
Top 14.5% in tier |
| NIM |
4.3%
-4.3% YoY-2.9% QoQ
|
+0.4% |
3.9%
+0.9% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
68% |
| Efficiency Ratio |
66.8%
-21.8% YoY+0.8% QoQ
|
-21.9% |
88.8%
-6.9% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
20% |
| Delinquency Rate |
0.3%
-61.8% YoY-10.3% QoQ
|
-1.2 |
1.5%
+2.1% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
34% |
| Loan To Share |
30.1%
-4.5% YoY+6.3% QoQ
|
-28.8% |
58.9%
-3.1% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
Bottom 11.2% in tier |
| AMR |
$13,564
+6.4% YoY+4.3% QoQ
|
$-1K |
$14,963
-6.8% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
48% |
| CD Concentration |
1.4%
-25.9% YoY-3.2% QoQ
|
-23.1% | 24.6% | 21.6% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 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)