BlastPoint's Credit Union Scorecard
PUERTO RICO EMPLOYEE GROUPS
Charter #12771 · PR
PUERTO RICO EMPLOYEE GROUPS has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.39% above tier average
- + Net Interest Margin 2.37% 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
- - Delinquency rate 2.22% above tier average
- - Member decline: -4.9% YoY
- - Net Charge-Off Rate: Bottom 4.8% in tier
- - Total Delinquency Rate (60+ days): Bottom 9.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
861
-4.9% YoY+0.1% QoQ
|
-1.8K |
2,625
-2.2% YoY
|
27,493
+32.9% YoY
|
33,089
+6.1% YoY
|
25% |
| Assets |
$3.2M
-1.7% YoY+1.3% QoQ
|
$-26.7M |
$29.9M
+1.1% YoY
|
$309.3M
+29.1% YoY
|
$547.7M
+7.8% YoY
|
Bottom 13.6% in tier |
| Loans |
$2.2M
-6.7% YoY-2.7% QoQ
|
$-13.6M |
$15.8M
-2.4% YoY
|
$237.2M
+42.6% YoY
|
$388.7M
+8.6% YoY
|
19% |
| Deposits |
$2.7M
-2.8% YoY+1.1% QoQ
|
$-22.8M |
$25.5M
+0.4% YoY
|
$275.0M
+28.7% YoY
|
$464.6M
+9.3% YoY
|
Bottom 14.3% in tier |
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| ROA |
1.1%
-22.8% YoY+35.7% QoQ
|
+0.4% |
0.7%
-731.4% YoY
|
0.9%
+59.4% YoY
|
0.7%
+273.4% YoY
|
65% |
| NIM |
6.3%
+3.4% YoY+0.4% QoQ
|
+2.4% |
3.9%
+3.8% YoY
|
5.0%
+16.0% YoY
|
3.7%
+5.0% YoY
|
Top 2.9% in tier |
| Efficiency Ratio |
60.0%
-3.3% YoY-0.7% QoQ
|
-21.4% |
81.4%
-2.4% YoY
|
59.3%
-20.7% YoY
|
79.1%
-3.3% YoY
|
Bottom 13.9% in tier |
| Delinquency Rate |
3.7%
+120.5% YoY+232.3% QoQ
|
+2.2 |
1.5%
-2.0% YoY
|
1.3%
+60.6% YoY
|
1.2%
-0.9% YoY
|
Top 9.1% in tier |
| Loan To Share |
81.8%
-4.0% YoY-3.7% QoQ
|
+20.6% |
61.2%
-3.0% YoY
|
82.4%
+18.0% YoY
|
68.0%
-1.7% YoY
|
80% |
| AMR |
$5,640
+0.3% YoY-0.8% QoQ
|
$-9K |
$14,627
-2.7% YoY
|
$15,116
+8.6% YoY
|
$19,418
+1.3% YoY
|
Bottom 10.9% in tier |
| CD Concentration |
4.0%
-14.9% YoY-0.8% QoQ
|
-20.4% |
24.4%
+4.2% YoY
|
27.0%
+23.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
0.0% |
7.9%
-2.9% YoY
|
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)