Federal credit union · Port Arthur, Texas · NCUA charter #7023
Port Arthur Community
Health score 77/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $20.1M
- Total assets
- 2,358
- Members
- 12.3%
- Net-worth ratio
Port Arthur Community scores 77/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $20.1M; members 2,358; net-worth ratio 12.25%; health rank #3,095 of 4,374; healthier than 28th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,095 of 4,374 health · 2025Q4Port Arthur Community · health 77/100 · $20.1M · 2025Q4
- NCUSIF 77/100
- CAMELS 12.3%
- HEALTH 1.90%
- NW -0.11%
- DELQ $20.1M
- ROA 2,358
- ASSETS #3,095/4,374
- MEM Kaleida Health
- RANK 7023
Call Report peers
Port Arthur Community in the assets neighbourhood
Port Arthur Community's $20.1M assets sit next to Kaleida Health ($20.1M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Port Arthur Community vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
77 28th percentile higher than 28% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Port Arthur Community - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #7023: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Port Arthur Community: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 74.80% here, 59.80% peer average (+15.00 pp).
- Net Worth Ratio trails the peer set - 12.25% here, 14.86% peer average (-2.61 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Port Arthur Community in Texas
- Health composite ranks #271 of 386 among scored Texas credit unions.
- By total assets, Port Arthur Community is #257 of 386 in Texas.
- Membership ranks #239 of 386 among Texas CUs with a reported count (2,358 members).
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Port Arthur Community Call Report trajectory
Port Arthur Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.8% from $20.1M (2025Q4) to $20.2M (2026Q1).
- Net-worth ratio shifted -0.35 pp (12.60% → 12.25%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 12.25%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 77/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 77.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 13.2 pts
- Return on Assets 3.5 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 15.3 pts
Call Report ratios for Port Arthur Community
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.25% | -2.61 pp |
| Delinquency Rate | 1.90% | +0.76 pp |
| Return on Assets | -0.11% | -0.81 pp |
| Member Growth | 11.97% | - |
| Loan-to-Share Ratio | 74.80% | +15.00 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Port Arthur Community filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $20.2M | - |
| 2025Q4 | $20.1M | 2,358 |
| 2024Q4 | $19.5M | 2,106 |
| 2023Q4 | $20.4M | 2,373 |
Credit Union Details
- Charter Number
- 7023
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Texas
- City
- Port Arthur
- Data Quarter
- 2025Q4
Branch Locations (3)
Port Arthur Community operates 3 offices across 3 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Port Arthur Community FCU (Main Office) | Port Arthur, TX |
| C-E Federal Credit Union | Houston, TX |
| Central Maxi Storage | Port Neches, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
Other-state peers near Port Arthur Community
Port Arthur Community's nationwide photo peers by assets and by health score, excluding Texas charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($20.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (77/100 here).
Using this data
- Port Arthur Community ranks #3,095 of 4,374 nationally on financial health and #271 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Corner Stone is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Corner Stone
- Rates and health both vary by institution, not just by state -- see how Texas credit unions compare overall before assuming this one is typical. Texas state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Port Arthur Community financially healthy?
Yes/no aside, the number is 77/100 (Very Good) - Port Arthur Community's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,095 of 4,374; by total assets it ranks #3,153 of 4,374 nationally (same basis as /rankings/largest); and #257 of 386 within Texas. Above 80 reads excellent, below 50 warrants closer monitoring; a 12.25% net worth ratio and 1.90% delinquency rate are the key drivers.
How does Port Arthur Community compare to other credit unions?
Port Arthur Community scores 77/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Port Arthur Community?
Port Arthur Community operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Port Arthur Community directly for the exact boundaries and application steps.
Is my money safe at Port Arthur Community?
Federal credit unions like Port Arthur Community are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Port Arthur Community's net worth ratio of 12.25% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Port Arthur Community offer compared to banks?
Credit unions like Port Arthur Community are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Port Arthur Community directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.