BlastPoint's Credit Union Scorecard
PUERTO RICO
Charter #13939 · PR
PUERTO RICO has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.97% above tier average
- + Members Per Employee (MPE): Top 2.7% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Credit Risk Growth: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - ROA 0.28% below tier average
- - Member decline: -4.3% YoY
- - Fee Income Per Member: Bottom 2.7% in tier
- - Average Member Relationship (AMR): Bottom 4.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
22,856
-4.3% YoY-5.5% QoQ
|
+7.7K |
15,145
-2.5% YoY
|
27,089
+2.0% YoY
|
33,913
+5.7% YoY
|
85% |
| Assets |
$187.2M
-3.2% YoY+2.8% QoQ
|
$-44.5M |
$231.7M
+0.8% YoY
|
$322.7M
+4.5% YoY
|
$578.3M
+9.0% YoY
|
46% |
| Loans |
$137.7M
+4.6% YoY+2.0% QoQ
|
$-6.4M |
$144.1M
+0.2% YoY
|
$240.3M
+9.3% YoY
|
$402.4M
+8.7% YoY
|
58% |
| Deposits |
$164.3M
-4.6% YoY+3.0% QoQ
|
$-36.9M |
$201.1M
+0.4% YoY
|
$283.4M
+2.9% YoY
|
$494.3M
+9.1% YoY
|
48% |
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| ROA |
0.4%
+178.4% QoQ
|
-0.3% |
0.7%
+5.1% YoY
|
1.4%
+162.1% YoY
|
0.4%
-39.2% YoY
|
33% |
| NIM |
4.6%
+29.2% YoY+5.4% QoQ
|
+1.0% |
3.6%
+4.6% YoY
|
4.9%
+1.1% YoY
|
3.8%
+4.1% YoY
|
Top 8.0% in tier |
| Efficiency Ratio |
73.6%
-8.5% YoY-3.2% QoQ
|
-4.5% |
78.0%
-1.7% YoY
|
59.5%
-3.3% YoY
|
84.6%
+2.8% YoY
|
33% |
| Delinquency Rate |
0.4%
+90.4% YoY-30.5% QoQ
|
-0.4 |
0.8%
+7.1% YoY
|
0.5%
-8.0% YoY
|
1.2%
+3.4% YoY
|
32% |
| Loan To Share |
83.8%
+9.6% YoY-0.9% QoQ
|
+13.4% |
70.4%
-0.4% YoY
|
79.2%
+1.3% YoY
|
65.6%
-1.4% YoY
|
77% |
| AMR |
$13,213
+3.8% YoY+8.5% QoQ
|
$-12K |
$24,918
+2.7% YoY
|
$15,670
+4.5% YoY
|
$19,920
+1.6% YoY
|
Bottom 3.9% in tier |
| CD Concentration |
32.2%
-8.6% YoY+5.7% QoQ
|
+7.9% | 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 (4)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)