Federal credit union · Port Arthur, Texas · NCUA charter #7023
Port Arthur Community
Health score 77/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $20.1M
- Total assets
- 2,358
- Members
- 12.6%
- Net-worth ratio
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 - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)53
- Earnings (ROA)23
- Member growth100
- Liquidity (loan-to-share)100
Weighted composite: 77/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 12.60%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 12.60% | 30% |
| Delinquency Rate | 1.90% | 25% |
| Return on Assets | -0.11% | 15% |
| Member Growth | 11.97% | 15% |
| Loan-to-Share Ratio | 74.80% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Port Arthur Community
Port Arthur Community is a federal credit union headquartered in Port Arthur, Texas, serving 2,358 members with $20.1M in total assets and $13.1M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 77/100 (Very Good), anchored by a net worth ratio of 12.60% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #7023 operates under peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
1.90% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers. Deposit deployment is captured by the 74.80% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at -0.11% on net income of $-21778 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 11.97%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Community) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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. Above 80 reads excellent, below 50 warrants closer monitoring; a 12.60% 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 12.60% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.