# PORT ARTHUR COMMUNITY
Port Arthur, TX · NCUA charter 7023 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/port-arthur-community-7023

Who the members are: federal charter, community charter, organized 1950, low-income designated. 2,355 members of 56,000 potential (4.2% of the field); checking penetration 51% (share draft accounts per 100 members); loans per 100 members 60.

**Verdict on the desk:** this could be *ordinary*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $20.2M |
| Members | 2,355 (16.4% YoY) |
| Full-time staff | 7 |
| Net worth | $2.5M |
| Net worth ratio | 12.3% (p32 of band) |
| ROA (annualized) | -1.00% (p10 of band) |
| Total delinquency | 1.59% (p73 of band) |
| Net charge-offs (annualized) | -0.17% (p8 of band) |
| Loans / shares | 73% (p71 of band) |
| Cash / assets | 29.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.66% (p79 of band) |
| Operating expense / assets | 6.29% (p91 of band) |
| Vehicles % of loans | 59% (p47 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 1.46% (p73 of band) |
| Vehicle NCO | 0.01% (p70 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 24% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 14% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 67% |
| Certificates % of member funds | 24% |
| Average share balance | $5,050 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $146,090 |
| Loans outstanding per 100 members | 60% |
| Loans granted per 100 members, annualized | 15% |
| Average loan balance | $9,183 |
| Loans granted, annualized | $3.5M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $146,090 outstanding purchased (5.9% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 6.1% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | losing money |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 1 |  | losing money |
| 2017-06 | 1 | assets shrinking | auto monoline |
| 2017-09 | 1 | auto monoline | assets shrinking |
| 2017-12 | 3 | net worth falling, margin squeeze |  |
| 2018-03 | 2 | delinquency rising | net worth falling, margin squeeze |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 | assets shrinking | delinquency rising |
| 2018-12 | 2 |  |  |
| 2019-03 | 4 | net worth falling, members leaving |  |
| 2019-06 | 2 |  | net worth falling, members leaving |
| 2019-09 | 2 |  |  |
| 2019-12 | 4 | delinquency 2x band, delinquency rising |  |
| 2020-03 | 3 |  | delinquency 2x band |
| 2020-06 | 3 | losing money, members leaving | assets shrinking, delinquency rising |
| 2020-09 | 5 | net worth falling, margin squeeze, delinquency 2x band, delinquency rising | losing money, members leaving |
| 2020-12 | 3 |  | net worth falling, delinquency rising |
| 2021-03 | 3 | losing money, charge-offs p90 | margin squeeze, delinquency 2x band |
| 2021-06 | 3 | delinquency 2x band | charge-offs p90 |
| 2021-09 | 2 | charge-offs p90 | losing money, delinquency 2x band |
| 2021-12 | 0 |  | auto monoline, charge-offs p90 |
| 2022-03 | 1 | auto monoline |  |
| 2022-06 | 2 | delinquency 2x band |  |
| 2022-09 | 3 | delinquency rising |  |
| 2022-12 | 4 | assets shrinking |  |
| 2023-03 | 3 |  | assets shrinking |
| 2023-06 | 3 |  |  |
| 2023-09 | 6 | expense trap, assets shrinking, members leaving |  |
| 2023-12 | 4 |  | expense trap, assets shrinking |
| 2024-03 | 8 | net worth falling, losing money, expense trap, assets shrinking |  |
| 2024-06 | 3 |  | delinquency rising, net worth falling, losing money, expense trap, assets shrinking |
| 2024-09 | 4 | expense trap |  |
| 2024-12 | 6 | losing money, assets shrinking |  |
| 2025-03 | 5 | net worth falling | delinquency 2x band, expense trap |
| 2025-06 | 6 | expense trap, delinquency 2x band | members leaving |
| 2025-09 | 4 |  | assets shrinking, expense trap |
| 2025-12 | 4 |  |  |
| 2026-03 | 4 | expense trap | auto monoline |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-20 [See the photos from BBB of SETX's 2026 Diamond Awards - Beaumont Enterprise](https://news.google.com/rss/articles/CBMirwFBVV95cUxOMlpSME5RTXZyM2RoMUk5bmljdV8zTFBlTnQtZlV1REZOdlo3TzBZT3lGdkVpWkstdFQ0a2lnRm0tOVRVZVJDamJ5UlRmVWVCRktuMHVlVWpoMVRyVUkyZU9zMTZVY1pQbC0yZ1UwNjdMVi1MUVRyZEx2V0FnT2l2UjE4ZUVlalJCeFpOTlNEMkhrSVMteTh2eHVBekhFLWhmUUZRV1U1UGgyQWM3UW04?oc=5) · Beaumont Enterprise
- 2025-02-04 [Port Arthur Community Federal Credit Union members recall working from City Hall’s basement - Port Arthur News](https://news.google.com/rss/articles/CBMivgFBVV95cUxOYkJQVzJVdUZqcmRNLVZCNFZQQ3RHQ1pHYUVVWURNcjIycW9pVHBLclNzTWV0SzlYTlFMS2ptYjJGZ08yTElZTHN5QUp2enZNT2JXcHBYMENzeC1Fd1Y1UThQSnZ2cGNVRFh5TWs0cDgxR01vWXFmWF9IQVc4NGJkZmtjTVpsaVVTR0M2VDhESXR3RmZaU283QkV3aXV6cHRhcWtHcE85WXFwcmtRcU9NTDItVTdwUGwzQV83SENn?oc=5) · Port Arthur News
- 2024-10-21 [Port Arthur Economic Development Corporation hosts open house for the Press Building - 12newsnow.com](https://news.google.com/rss/articles/CBMi8gFBVV95cUxPUzc0SlV2T1NYUnkxcW93a09SeTAtMWdXdHpNMXFod0FjcFhnUXBraV9rbDFGMHY0aUFXMmhMcGNhV2trSVhNUkZvVHhjZ3hQc21vcFlwdmthMnZkbVJDRGpGeHNfdzAwSWpfUVJGYnAyT0RuSkJLeXlLeTRSbW8wZ2JPU19ETkJLYWE2Rmh0bWpHR0d5UERoYWxpNVBSb2ZYa2ZrQ3J0ZzIxRnhkYjNZbVotQjNQV0lQWTlkNXcxRU42MWtsWjR0WUlwN3JnRFdoYUpKUjJOWHBuVVhTOFBNcXZTZzY4MnNpLXdrUzFVSzAyUQ?oc=5) · 12newsnow.com
- 2026-06-26 [Affidavit: Vegas trip, cruise, part of $450,000 misused by daughter of dad with dementia - kfdm.com](https://news.google.com/rss/articles/CBMisgFBVV95cUxOT015Z0piRkw5NTNJWGdSU3VGTVdVZnkzbmhtcjRCLWxKS0JsUU5XS0Njb3ZIRU94eE9GNVRTZ2pNX1NvZE93bGNPWjJ1VFlRWV9iWUpiNmN1NVliNXpYd1NhUVQxTXF1LUNDc1B4MmJNSWMzUC11b1BOV195aGZ6a3ZBWVRhSWEtSkN6VGpYanBJOFV4OTRVNkREblZZei1LTXVfbzhjeWpMemdSWmVnb1BB?oc=5) · kfdm.com
- 2021-10-08 [Port Arthur community and others helping Nick's Barbecue after fire forced eatery to close - fox4beaumont.com](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQX1NlSE5ZejVsdFZfQnhwSzNyWVV2UnZVQ28tczQwdnRRMUFMdEQ0MHc2TFJXVGdSVU9zUmZXbkRRUlZzNnd5RXlLSFdNV0hxSG9BcHpQdDd3MXdPazh2RDhxWC1vLTBCVHVQLWJkQ2xSV25USDU1X3VoYWUwMmljREZZU0E5bGFUQjBCa1FkOXI4bWprdzEwaFpKekVWdVZMYnd0anNsc1FyZHNvVjVJUWdUZXN2c05XUkNF?oc=5) · fox4beaumont.com
- 2026-06-09 [Local businesses shine bright at BBB of Southeast Texas Diamond Awards - kfdm.com](https://news.google.com/rss/articles/CBMinwFBVV95cUxPMk1OXzNjejBDVXJLMTNmRnBfZXU5dkh2QUZuVElweFUzMWJmU080VmJ3cEh2VW5TTEVNRk9waGFqN0hvOHZ1X09za3lXa2V3OFJuMGU3RHR3dFFHVVBKMDcyMnN6WFo3dVZGcGE3VF9md0ZsMnZSMmhsc2NhMktxaGhNbzVrTEJuX1J2S1JTNGVDOF9vZHhIZHViTk90MFE?oc=5) · kfdm.com
- 2024-11-29 [Port Arthur City Council celebrates Junior Bees' victories - Beaumont Enterprise](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPRXM4WXlYNmNxdWZGSXlEcWJfT1RIdGhHdGVZc3N5dE1EZWlnUDByNDFuellicnRIUEFFUFJVQjdtdmRGa0I4Ynd6ejBfSDRvUU9Kd1NNNnlCcTFpWDZHYXF5S1dmNVdiWFVob3VxYXNQaUVyYUFGSnk2NXhMM29vTGd3ekZBMmNtYUROLU9fTnRzUWlvU21EUXJNeV9Uc2RhYjkwRzZMRlhOQQ?oc=5) · Beaumont Enterprise
- 2026-06-16 [Southeast Texas Businesses Take Center Stage at BBB Diamond Awards for Excellence - Port Arthur News](https://news.google.com/rss/articles/CBMisgFBVV95cUxOWnRZdU4tSVB0OGhMX3ZldXdhWDVxUDB4MG1laFd3eUU5V3N0ZDJ6NHlrazhoVGFGMUtLM1JqNnRoNlFRNHJQYUxEa3hUblZ3T3dtOGNSbDBKUXJnWnlWOGp6Qko2QmthamU0YnFZSWVKdF93MWxCTVFidFNIX29Vam9nSURsbjhUWW9kRHJfZTdSWkdQQ0M5dHBMcWxRajlKZzRESXN6TUpYZkc0clpTVHZ3?oc=5) · Port Arthur News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=7023 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/47.json (key "7023", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=7023
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide