BlastPoint's Credit Union Scorecard
PUERTO RICO
Charter #13939 · PR
PUERTO RICO has 5 strengths but faces 13 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 25.4% in tier
- + Organic Growth Engine: Top 29.8% in tier
- + Net Interest Margin 0.43% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 2.7% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 6.0% in tier
- - Credit Quality Pressure: Bottom 7.3% in tier
- - Credit Risk Growth: Bottom 19.5% in tier
- - Deposit Outflow: Bottom 25.0% in tier
- - ROA 0.79% below tier average
- - Efficiency ratio 1.95% above tier (higher cost structure)
- - Deposit Growth Rate: Bottom 2.1% in tier
- - Fee Income Per Member: Bottom 2.5% in tier
- - Asset Growth Rate: Bottom 2.6% in tier
- - Average Member Relationship (AMR): Bottom 2.9% in tier
- - AMR Growth Rate: Bottom 4.5% in tier
- - Net Charge-Off Rate: Bottom 5.8% in tier
- - Loan-to-Member Ratio (LMR): Bottom 9.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
24,052
+1.3% YoY+0.3% QoQ
|
+8.4K |
15,628
-3.4% YoY
|
27,493
+32.9% YoY
|
33,089
+6.1% YoY
|
Top 14.8% in tier |
| Assets |
$185.1M
-6.2% YoY-0.7% QoQ
|
$-46.2M |
$231.3M
-0.0% YoY
|
$309.3M
+29.1% YoY
|
$547.7M
+7.8% YoY
|
46% |
| Loans |
$133.6M
+1.2% YoY+0.3% QoQ
|
$-14.2M |
$147.8M
-1.4% YoY
|
$237.2M
+42.6% YoY
|
$388.7M
+8.6% YoY
|
54% |
| Deposits |
$162.6M
-7.5% YoY-1.2% QoQ
|
$-37.7M |
$200.3M
-0.0% YoY
|
$275.0M
+28.7% YoY
|
$464.6M
+9.3% YoY
|
47% |
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 |
0.0%
-100.4% YoY-93.1% QoQ
|
-0.8% |
0.8%
+15.5% YoY
|
0.9%
+59.4% YoY
|
0.7%
+273.4% YoY
|
Bottom 7.1% in tier |
| NIM |
4.0%
+17.9% YoY+6.0% QoQ
|
+0.4% |
3.6%
+6.9% YoY
|
5.0%
+16.0% YoY
|
3.7%
+5.0% YoY
|
74% |
| Efficiency Ratio |
79.2%
-4.3% YoY+0.7% QoQ
|
+1.9% |
77.3%
-3.0% YoY
|
59.3%
-20.7% YoY
|
79.1%
-3.3% YoY
|
57% |
| Delinquency Rate |
0.7%
+142.7% YoY+58.4% QoQ
|
-0.2 |
0.9%
+7.6% YoY
|
1.3%
+60.6% YoY
|
1.2%
-0.9% YoY
|
52% |
| Loan To Share |
82.2%
+9.4% YoY+1.5% QoQ
|
+9.5% |
72.7%
-1.5% YoY
|
82.4%
+18.0% YoY
|
68.0%
-1.7% YoY
|
68% |
| AMR |
$12,314
-5.0% YoY-0.9% QoQ
|
$-12K |
$24,363
+2.9% YoY
|
$15,116
+8.6% YoY
|
$19,418
+1.3% YoY
|
Bottom 2.8% in tier |
| CD Concentration |
32.6%
-9.1% YoY-0.2% QoQ
|
+8.1% |
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 (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (4)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
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)