BlastPoint's Credit Union Scorecard

PUERTO RICO

Charter #13939 · PR

1069 CUs in 100M-500M nationally 2 in PR

PUERTO RICO has 5 strengths but faces 12 concerns

National Analysis

How does the industry compare?

PR Analysis

How does PR stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 69.2% in tier
+ Organic Growth Engine: Top 84.3% in tier
+ Net Interest Margin 0.76% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Members Per Employee (MPE): Top 3.0% in tier

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 14.7% in tier
- Shrinking Wallet Share: Bottom 26.6% in tier
- Credit Quality Pressure: Bottom 44.9% in tier
- Credit Risk Growth: Bottom 67.5% in tier
- ROA 0.60% below tier average
- Deposit Growth Rate: Bottom 0.8% in tier
- Fee Income Per Member: Bottom 2.0% in tier
- Asset Growth Rate: Bottom 2.0% in tier
- Average Member Relationship (AMR): Bottom 2.4% in tier
- AMR Growth Rate: Bottom 4.4% in tier
- Net Charge-Off Rate: Bottom 6.0% in tier
- Loan-to-Member Ratio (LMR): Bottom 9.5% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (PR)	National Avg	Tier Percentile
Members	24,188 +1.6% YoY+0.6% QoQ	+8.8K	15,437 -2.9% YoY	27,501 +5.6% YoY	33,374 +5.7% YoY	Top 13.8% in tier
Assets	$182.2M -6.0% YoY-1.6% QoQ	$-49.7M	$231.9M +1.3% YoY	$313.3M +4.2% YoY	$561.6M +9.7% YoY	44%
Loans	$135.0M +3.1% YoY+1.0% QoQ	$-12.4M	$147.3M -0.1% YoY	$238.4M +13.7% YoY	$397.0M +8.8% YoY	55%
Deposits	$159.5M -8.1% YoY-1.9% QoQ	$-41.3M	$200.8M +0.8% YoY	$276.6M +2.7% YoY	$477.3M +9.7% YoY	45%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.2% -157.5% YoY+11759.9% QoQ	-0.6%	0.8% +18.2% YoY	1.0% +66.7% YoY	0.7% +15.9% YoY	Bottom 11.6% in tier
NIM	4.4% +29.9% YoY+8.8% QoQ	+0.8%	3.6% +6.7% YoY	5.1% +10.7% YoY	3.8% +5.1% YoY	Top 12.8% in tier
Efficiency Ratio	76.0% -7.7% YoY-4.1% QoQ	-1.0%	77.0% -3.1% YoY	59.3% -5.4% YoY	79.7% -3.3% YoY	45%
Delinquency Rate	0.6% +67.6% YoY-17.0% QoQ	-0.3	0.9% +4.2% YoY	0.5% -36.9% YoY	1.3% -2.1% YoY	40%
Loan To Share	84.6% +12.2% YoY+2.9% QoQ	+12.4%	72.2% -1.1% YoY	83.1% +7.4% YoY	67.4% -1.7% YoY	74%
AMR	$12,176 -4.9% YoY-1.1% QoQ	$-13K	$24,676 +3.4% YoY	$15,130 +2.8% YoY	$19,687 +2.0% YoY	Bottom 2.3% in tier
CD Concentration	30.5% -15.4% YoY-6.4% QoQ	+6.0%	24.4%	27.0%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	0.0%	7.8%	50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#295 of 426 • Top 69.2% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.64%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Organic Growth Engine

growth

#502 of 595 • Top 84.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.64%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.16%

(Tier: 0.75%, National: 0.67%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Concerns (4)

Deposit Outflow

decline

#11 of 69 • Bottom 14.7% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -8.14%

(Tier: 5.05%, National: 13.79%)

worse than tier avg

Member Growth (YoY): 1.64%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

69 of 1069 Mid-Small & Community CUs have this signature | 91 nationally

→ No prior data (69 CUs now) | New qualifier

Shrinking Wallet Share

decline

#56 of 208 • Bottom 26.6% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -4.87%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

208 of 1069 Mid-Small & Community CUs have this signature | 303 nationally

↓ Shrinking -190 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#317 of 705 • Bottom 44.9% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.24% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank improving

Credit Risk Growth

risk

#308 of 456 • Bottom 67.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 3.08%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Change (YoY): 0.24% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 562.512

Peer Median: -

#33 of 1069 Top 3.0% in 100M-500M tier

137

Net Interest Margin (NIM)

profitability

Value: 4.36%

Peer Median: -

#137 of 1069 Top 12.7% in 100M-500M tier

148

Total Members

engagement

Value: 24,188

Peer Median: -

#148 of 1069 Top 13.8% in 100M-500M tier

Top Weaknesses (8 metrics)

1061

Deposit Growth Rate

growth

Value: -8.14%

Peer Median: -

#1061 of 1069 Bottom 0.8% in 100M-500M tier

1049

Fee Income Per Member

profitability

Value: $43.70

Peer Median: -

#1049 of 1069 Bottom 2.0% in 100M-500M tier

1049

Asset Growth Rate

growth

Value: -5.98%

Peer Median: -

#1049 of 1069 Bottom 2.0% in 100M-500M tier

1044

Average Member Relationship (AMR)

engagement

Value: $12,176

Peer Median: -

#1044 of 1069 Bottom 2.4% in 100M-500M tier

1023

AMR Growth Rate

growth

Value: -4.87%

Peer Median: -

#1023 of 1069 Bottom 4.4% in 100M-500M tier

1006

Net Charge-Off Rate

risk

Value: 1.35%

Peer Median: -

#1006 of 1069 Bottom 6.0% in 100M-500M tier

968

Loan-to-Member Ratio (LMR)

engagement

Value: $5,580

Peer Median: -

#968 of 1069 Bottom 9.5% in 100M-500M tier

945

Return on Assets (ROA)

profitability

Value: 0.16%

Peer Median: -

#945 of 1069 Bottom 11.7% in 100M-500M tier