BlastPoint's Credit Union Scorecard
PUERTO RICO EMPLOYEE GROUPS
Charter #12771 · PR
PUERTO RICO EMPLOYEE GROUPS has 2 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.39% above tier average
- + Net Interest Margin 1.34% above tier average
Key Concerns
Areas that may need attention
- - Member decline: -3.0% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
851
-3.0% YoY-0.8% QoQ
|
-1.8K |
2,676
+1.6% YoY
|
27,089
+2.0% YoY
|
33,913
+5.7% YoY
|
24% |
| Assets |
$3.3M
+3.6% YoY+10.8% QoQ
|
$-26.9M |
$30.2M
+1.3% YoY
|
$322.7M
+4.5% YoY
|
$578.3M
+9.0% YoY
|
Bottom 13.6% in tier |
| Loans |
$1.9M
-16.1% YoY-6.5% QoQ
|
$-13.4M |
$15.3M
-2.0% YoY
|
$240.3M
+9.3% YoY
|
$402.4M
+8.7% YoY
|
17% |
| Deposits |
$2.8M
+3.0% YoY+12.7% QoQ
|
$-23.0M |
$25.8M
+0.7% YoY
|
$283.4M
+2.9% YoY
|
$494.3M
+9.1% YoY
|
Bottom 14.4% in tier |
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| ROA |
0.5%
-27.8% YoY-49.8% QoQ
|
+0.4% |
0.1%
-77.6% YoY
|
1.4%
+162.1% YoY
|
0.4%
-39.2% YoY
|
46% |
| NIM |
5.3%
-15.2% YoY-16.7% QoQ
|
+1.3% |
4.0%
+4.0% YoY
|
4.9%
+1.1% YoY
|
3.8%
+4.1% YoY
|
Top 7.5% in tier |
| Efficiency Ratio |
64.8%
+4.9% YoY+4.8% QoQ
|
-25.8% |
90.6%
+6.5% YoY
|
59.5%
-3.3% YoY
|
84.6%
+2.8% YoY
|
18% |
| Delinquency Rate |
1.2%
-2.5% YoY+73.9% QoQ
|
-0.3 |
1.5%
+3.8% YoY
|
0.5%
-8.0% YoY
|
1.2%
+3.4% YoY
|
67% |
| Loan To Share |
68.3%
-18.5% YoY-17.0% QoQ
|
+9.8% |
58.5%
-3.0% YoY
|
79.2%
+1.3% YoY
|
65.6%
-1.4% YoY
|
65% |
| AMR |
$5,460
-2.9% YoY+4.9% QoQ
|
$-9K |
$14,884
-1.7% YoY
|
$15,670
+4.5% YoY
|
$19,920
+1.6% YoY
|
Bottom 10.2% in tier |
| CD Concentration |
4.0%
-11.2% YoY-13.5% QoQ
|
-20.3% | 24.3% | 27.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 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)