Asset Quality Score
In this test, Bankrate tries to determine the effect of problem assets, such as unpaid loans, on the credit union's loan loss reserves and overall capitalization.
A credit union with lots of these kinds of assets could eventually be forced to use capital to absorb losses, decreasing its equity cushion. Many of those assets are also likely to be in non-accrual status and no longer earning money, decreasing earnings and increasing the risk of a future failure.
On Bankrate's asset quality test, PORT ARTHUR TEACHERS scored 40 out of a possible 40 points, above the national average of 38.09 points.
Troubled assets made up 0.00 percent of PORT ARTHUR TEACHERS's total assets in our test, beneath the national average and suggestive of greater financial strength than other credit unions.