PORT ARTHUR COMMUNITY
Charter #7023 · Port Arthur, TX · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -1.00% sits at the 7th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.59% sits at the 89th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.17% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 105.79% sits at the 87th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 59th percentile but its structural peers at the 41st — a 18-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | PORT ARTHUR COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $20.21M | 36th pct | 26th pct |
| Members | 2,355 | 59th pct | 41th pct |
| Net worth ratio | 12.25% | 39th pct | 52th pct |
| Return on average assets | -1.00% | 6th pct | 7th pct |
| Net interest margin | 4.67% | 83th pct | 67th pct |
| Cost of funds | 1.17% | 66th pct | 69th pct |
| Loan-to-share | 73.16% | 74th pct | 67th pct |
| Delinquency 60+ days | 1.59% | 80th pct | 89th pct |
| Net charge-off ratio | -0.17% | 6th pct | 2th pct |
| Loan growth YoY | -3.21% | 44th pct | 33th pct |
| Share growth YoY | 3.26% | 59th pct | 64th pct |
| Efficiency ratio | 105.79% | 92th pct | 87th pct |
structural peer set hash: 81e0cd29721d5f0c80a2717ba74795dc… (reproducible)
Closest structural peers
This is the free public view
Claim PORT ARTHUR COMMUNITY
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.