BlastPoint's Credit Union Scorecard
PUERTO RICO EMPLOYEE GROUPS
Charter #12771 · PR
PUERTO RICO EMPLOYEE GROUPS has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.44% above tier average
- + Net Interest Margin 2.46% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Member decline: -4.0% YoY
- - Net Charge-Off Rate: Bottom 4.0% in tier
- - Average Member Relationship (AMR): Bottom 9.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
858
-4.0% YoY-0.3% QoQ
|
-1.8K |
2,615
-1.9% YoY
|
27,501
+5.6% YoY
|
33,374
+5.7% YoY
|
24% |
| Assets |
$2.9M
-4.0% YoY-6.7% QoQ
|
$-27.2M |
$30.1M
+2.1% YoY
|
$313.3M
+4.2% YoY
|
$561.6M
+9.7% YoY
|
Bottom 12.6% in tier |
| Loans |
$2.0M
-12.8% YoY-7.7% QoQ
|
$-13.7M |
$15.8M
-1.3% YoY
|
$238.4M
+13.7% YoY
|
$397.0M
+8.8% YoY
|
18% |
| Deposits |
$2.5M
-6.1% YoY-8.2% QoQ
|
$-23.2M |
$25.7M
+1.4% YoY
|
$276.6M
+2.7% YoY
|
$477.3M
+9.7% YoY
|
Bottom 13.6% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.1%
+29.0% YoY-0.3% QoQ
|
+0.4% |
0.6%
+10.8% YoY
|
1.0%
+66.7% YoY
|
0.7%
+15.9% YoY
|
68% |
| NIM |
6.4%
+2.1% YoY+1.8% QoQ
|
+2.5% |
4.0%
+4.0% YoY
|
5.1%
+10.7% YoY
|
3.8%
+5.1% YoY
|
Top 2.5% in tier |
| Efficiency Ratio |
61.9%
-1.3% YoY+3.2% QoQ
|
-20.7% |
82.6%
-2.3% YoY
|
59.3%
-5.4% YoY
|
79.7%
-3.3% YoY
|
Bottom 13.4% in tier |
| Delinquency Rate |
0.7%
-49.7% YoY-82.1% QoQ
|
-0.9 |
1.6%
-3.1% YoY
|
0.5%
-36.9% YoY
|
1.3%
-2.1% YoY
|
48% |
| Loan To Share |
82.2%
-7.1% YoY+0.5% QoQ
|
+21.6% |
60.6%
-3.1% YoY
|
83.1%
+7.4% YoY
|
67.4%
-1.7% YoY
|
81% |
| AMR |
$5,206
-5.4% YoY-7.7% QoQ
|
$-10K |
$14,783
-1.4% YoY
|
$15,130
+2.8% YoY
|
$19,687
+2.0% YoY
|
Bottom 9.8% in tier |
| CD Concentration |
4.6%
-2.0% YoY+14.0% QoQ
|
-19.8% | 24.4% | 27.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 0.0% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)