PORT ARTHUR TEACHERS
Charter #8413 · PORT ARTHUR, TX · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.24% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.43% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 5.60% sits at the 97th percentile of structural peers — worth a closer look.
- Efficiency ratio of 66.28% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 77th percentile but its structural peers at the 57th — a 20-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 TEACHERS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $37.45M | 77th pct | 57th pct |
| Members | 3,065 | 77th pct | 57th pct |
| Net worth ratio | 14.75% | 58th pct | 59th pct |
| Return on average assets | 1.24% | 77th pct | 80th pct |
| Net interest margin | 4.43% | 76th pct | 89th pct |
| Cost of funds | 0.29% | 20th pct | 31th pct |
| Loan-to-share | 28.28% | 8th pct | 18th pct |
| Delinquency 60+ days | 0.38% | 40th pct | 31th pct |
| Net charge-off ratio | 5.60% | 99th pct | 97th pct |
| Loan growth YoY | -5.72% | 25th pct | 34th pct |
| Share growth YoY | 2.53% | 51th pct | 52th pct |
| Efficiency ratio | 66.28% | 20th pct | 16th pct |
structural peer set hash: 66d3b688a0ca613ca9fb903cfb0824b2… (reproducible)
Closest structural peers
This is the free public view
Claim PORT ARTHUR TEACHERS
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.