BlastPoint's Credit Union Scorecard
PUERTO RICO EMPLOYEE GROUPS
Charter #12771 · PR
PUERTO RICO EMPLOYEE GROUPS has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.35% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.97% below tier average
- - Net Charge-Off Rate: Bottom 6.4% in tier
- - Loan Growth Rate: Bottom 7.4% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 1 that size in Puerto Rico.
- Shares and deposits +8.0% year over year ($2.9M in shares and deposits).
- Membership: 845 members, -1.7% vs a year ago.
- Delinquency rate 0.55%.
- Return on assets 0.52%.
- Efficiency ratio 66.03% vs a 88.77% peer average.
- Loan-to-share ratio 63.62% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (PR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
845
-1.7% YoY-0.7% QoQ
|
-1.7K |
2,585
-1.7% YoY
|
27,483
+0.8% YoY
|
34,678
+6.6% YoY
|
24% |
| Assets |
$3.4M
+7.9% YoY+3.0% QoQ
|
$-26.9M |
$30.3M
+1.5% YoY
|
$326.7M
+5.8% YoY
|
$593.1M
+10.2% YoY
|
Bottom 13.8% in tier |
| Loans |
$1.8M
-19.1% YoY-3.6% QoQ
|
$-13.6M |
$15.5M
-1.7% YoY
|
$244.1M
+3.8% YoY
|
$418.6M
+10.1% YoY
|
17% |
| Deposits |
$2.9M
+8.0% YoY+3.4% QoQ
|
$-22.9M |
$25.8M
+1.1% YoY
|
$285.3M
+3.8% YoY
|
$504.8M
+10.3% YoY
|
Bottom 14.9% in tier |
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| ROA |
0.5%
-33.8% YoY-2.6% QoQ
|
-1.0% |
1.5%
+241.5% YoY
|
1.4%
+80.8% YoY
|
1.2%
+121.4% YoY
|
32% |
| NIM |
5.2%
-16.4% YoY-1.8% QoQ
|
+1.3% |
3.9%
+0.9% YoY
|
4.9%
-0.3% YoY
|
3.8%
+2.3% YoY
|
Top 8.6% in tier |
| Efficiency Ratio |
66.0%
+9.3% YoY+1.8% QoQ
|
-22.7% |
88.8%
-6.9% YoY
|
61.1%
+3.2% YoY
|
83.0%
-5.3% YoY
|
19% |
| Delinquency Rate |
0.6%
-50.9% YoY-52.4% QoQ
|
-1.0 |
1.5%
+2.1% YoY
|
0.5%
-16.7% YoY
|
1.3%
+2.6% YoY
|
44% |
| Loan To Share |
63.6%
-25.1% YoY-6.8% QoQ
|
+4.7% |
58.9%
-3.1% YoY
|
79.4%
-3.8% YoY
|
66.4%
-1.4% YoY
|
57% |
| AMR |
$5,529
-2.7% YoY+1.3% QoQ
|
$-9K |
$14,963
-6.8% YoY
|
$15,733
+4.2% YoY
|
$20,028
-0.9% YoY
|
Bottom 10.3% in tier |
| CD Concentration |
3.9%
-5.1% YoY-3.0% QoQ
|
-20.7% | 24.6% | 28.3% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 0.0% | 7.7% | 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)