TellerScore

Headquartered in Port Arthur, Texas, Port Arthur Teachers Federal Credit Union is a federal credit union with $38.0M in total assets and $31.5M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1953.

Based on its Q2 2026 filing, Port Arthur Teachers Federal Credit Union scores 94/100, which we describe as very strong. That is higher than 95% of 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 20th. Its strongest component is funding & liquidity (100/100; 30% loans-to-deposits, 3% uninsured), and its lowest is loan quality (88/100; 0.35%).

TellerScore · Q2 2026

Scorecard

Capital cushion99/100
Net worth ratio: 14.92%
Loan quality88/100
Loans 60+ days delinquent ÷ total loans: 0.35%
Earnings89/100
Return on assets (annualized): 1.72%
Funding & liquidity100/100
Loans ÷ shares: 30.1% · 2.6% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.82%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 13 points (81 → 94), mostly because the earnings component improved by 41 points.

TellerScore
758594Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202478
Q3 202480
Q4 202475
Q1 202579
Q2 202581
Q3 202576
Q4 202576
Q1 202690
Q2 202694
Net worth ratio
7.00%10.96%14.92%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.20%
Q3 202414.63%
Q4 202414.83%
Q1 202514.53%
Q2 202514.76%
Q3 202514.69%
Q4 202514.65%
Q1 202614.75%
Q2 202614.92%
Delinquent loans (60+ days)
0.35%0.89%1.44%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.94%
Q3 20240.75%
Q4 20241.44%
Q1 20250.95%
Q2 20250.90%
Q3 20251.41%
Q4 20251.41%
Q1 20260.38%
Q2 20260.35%
Return on assets
0.51%1.12%1.72%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.60%
Q3 20240.51%
Q4 20240.53%
Q1 20250.65%
Q2 20250.71%
Q3 20250.71%
Q4 20250.69%
Q1 20261.23%
Q2 20261.72%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202694$38.0M14.92%0.35%1.72%30.1%
Q1 202690$37.5M14.75%0.38%1.23%28.3%
Q4 202576$36.9M14.65%1.41%0.69%29.6%
Q3 202576$36.4M14.69%1.41%0.71%30.8%
Q2 202581$35.8M14.76%0.90%0.71%31.5%
Q1 202579$35.9M14.53%0.95%0.65%30.2%
Q4 202475$34.8M14.83%1.44%0.53%33.1%
Q3 202480$34.9M14.63%0.75%0.51%32.7%
Q2 202478$35.7M14.20%0.94%0.60%32.0%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio14.92%
54th
Problem loans0.35%
66th
Net charge-offs3.15%
3rd
Return on assets1.72%
90th
Loans to deposits30.1%
89th
Uninsured deposits2.6%
39th
Loan-loss reserves0.00%
37th
Texas ratio0.8%
69th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Aspire Credit UnionCredit union Lufkin, TX94 out of 100, Very strong$38.0M20.5%0.05%vs
Golden Triangle Federal Credit UnionCredit union Groves, TX79 out of 100, Strong$37.9M18.6%0.63%vs
Austin Federal Credit UnionCredit union Austin, TX58 out of 100, Moderate$38.4M9.3%1.40%vs
Members Financial Federal Credit UnionCredit union Midland, TX64 out of 100, Moderate$38.6M8.8%0.16%vs
Mid-Tex Federal Credit UnionCredit union Brownwood, TX65 out of 100, Moderate$36.4M9.2%0.90%vs
Matagorda County Credit UnionCredit union Bay City, TX94 out of 100, Very strong$36.2M17.4%0.31%vs

Deposit insurance

Is my money safe at Port Arthur Teachers Federal Credit Union?

Yes. Port Arthur Teachers Federal Credit Union is a federally insured credit union (NCUA charter #8413). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 2.6% of shares and deposits ($807K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 14.92%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Port Arthur Teachers Federal Credit Union lists 2 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Port Arthur Teachers Federal Credit Union
Type
Federal credit union
NCUA charter #
8413
RSSD ID
437987
Primary regulator
NCUA
Established
1953
Headquarters
3001 Jimmy Johnson Blvd, Port Arthur, TX 77642
Employees
9

Quick answers

Port Arthur Teachers Federal Credit Union: common questions

Is Port Arthur Teachers Federal Credit Union NCUA insured?

Yes. Port Arthur Teachers Federal Credit Union is a federally insured credit union (NCUA charter #8413). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Port Arthur Teachers Federal Credit Union's TellerScore?

94 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Port Arthur Teachers Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Port Arthur

InstitutionScoreAssetsCapitalProblem loansCompare
Neches Federal Credit UnionCredit union Port Neches, TX93 out of 100, Very strong$1.2B14.7%0.20%vs
Dugood Federal Credit UnionCredit union Beaumont, TX87 out of 100, Very strong$609.4M13.4%0.09%vs
Common Cents Federal Credit UnionCredit union Beaumont, TX87 out of 100, Very strong$34.2M12.1%0.30%vs
Synergy Federal Credit UnionCredit union San Antonio, TX86 out of 100, Very strong$334.2M15.8%0.29%vs
Vidor Teachers Federal Credit UnionCredit union Vidor, TX83 out of 100, Strong$3.3M15.8%0.00%vs
Beaumont Community Credit UnionCredit union Beaumont, TX82 out of 100, Strong$35.8M13.7%0.00%vs