Side-by-side · Q2 2026 data
Port Arthur Community Federal Credit Union vs Lcra Credit Union
Credit union
Port Arthur Community Federal Credit Union
Port Arthur, Texas · Under $100 million in assets
Metric by metric
| Measure | Port Arthur Community Federal Credit Union | Lcra Credit Union |
|---|---|---|
| TellerScore | 66 | 83 (stronger) |
| Capital cushion | 72 | 100 (stronger) |
| Loan quality | 87 (stronger) | 86 |
| Earnings | 0 | 34 (stronger) |
| Funding & liquidity | 88 | 100 (stronger) |
| Problem-loan coverage | 96 (stronger) | 94 |
| Peer percentile | 32nd | 72nd |
| Total assets | $20.2M | $20.2M |
| Deposits / shares | $17.7M | $17.0M |
| Capital ratio | 12.18% | 15.96% (stronger) |
| Problem loans | 0.38% (stronger) | 0.41% |
| Net charge-offs | 0.33% | 0.00% (stronger) |
| Return on assets | -0.63% | 0.34% (stronger) |
| Loans ÷ deposits | 72.7% | 40.4% (stronger) |
| Uninsured deposits | 4.2% | 3.9% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Lcra Credit Union has the higher TellerScore (83 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Port Arthur Community Federal Credit Union leads on 1 and Lcra Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.