Port Arthur Community

Port Arthur, TX · 1 · Charter #7023 · www.pac-fcu.com
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$20.1M
62th percentile
Members
2,358
74th percentile
Total loans
$13.1M
74th percentile
Total shares
$17.5M
63th percentile

Profitability

Return on assets
0.07%
18th percentile
Net interest margin
4.65%
74th percentile
Efficiency ratio
85.03%
17th percentile
Non-interest income ratio
20.36%
83th percentile

Capital & Risk

Net worth ratio
12.60%
35th percentile
Delinquency rate
1.90%
26th percentile
Net charge-off rate
1.11%
15th percentile
Loan-to-share
74.80%
69th percentile

Growth

Member growth YoY
11.97%
97th percentile
Asset growth YoY
2.92%
62th percentile
Loan growth YoY
-4.45%
44th percentile
Share growth YoY
4.91%
75th percentile

Operations

Members / branch
786
37th percentile
Assets / member
$8,505
44th percentile
Field of membership penetration
4.21%
16th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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