PUERTO RICO

Charter #13939 | PR

100M-500M (1077 CUs) Micro
2 100M-500M in PR

PUERTO RICO has 6 strengths but faces 14 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 25.4% in tier
  • + Emerging Performer: Top 25.6% 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

  • - Deposit Outflow: Bottom 4.2% in tier
  • - Shrinking Wallet Share: Bottom 6.0% in tier
  • - Credit Quality Pressure: Bottom 7.3% in tier
  • - Growth-at-Risk: Bottom 19.5% in tier
  • - Liquidity Overhang: Bottom 28.8% 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
 46th in tier
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
 54th in tier
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
 47th in tier
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
 74th in tier
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
 57th in tier
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
 52nd in tier
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
 68th in tier
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
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 0.0% 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Organic Growth Leader

growth
#335 of 430 • Top 25.4% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 1.27%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 1077 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank worsening

Emerging Performer

growth
#480 of 627 • Top 25.6% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.00%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): 1.27%
(Tier: 0.88%, National: 9.37%)
better than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | New qualifier

Organic Growth Engine

growth
#547 of 603 • Top 29.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.27%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.00%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 0.00%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Concerns (5)

Deposit Outflow

decline
#26 of 114 • Bottom 4.2% in tier

Members staying but deposits leaving. They're losing to higher-yield competitors - rate pressure is real.

Why This Signature
Deposit Growth (YoY): -7.49%
(Tier: 4.79%, National: 12.00%)
worse than tier avg
Total Assets: $185.08M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
114 of 1077 Community CUs have this signature | 143 nationally
↓ Shrinking -169 CUs YoY | Rank improving

Shrinking Wallet Share

decline
#61 of 244 • Bottom 6.0% in tier

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

Why This Signature
AMR Growth (YoY): -4.98%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 1077 Community CUs have this signature | 346 nationally
↓ Shrinking -221 CUs YoY | Rank worsening

Credit Quality Pressure

risk
#182 of 736 • Bottom 7.3% in tier

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

Why This Signature
Delinquency Change (YoY): 0.41% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank improving

Growth-at-Risk

risk
#293 of 446 • Bottom 19.5% in tier

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

Why This Signature
Loan Growth (YoY): 1.16%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
Delinquency Change (YoY): 0.41% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 1077 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | New qualifier

Liquidity Overhang

risk
#447 of 552 • Bottom 28.8% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 13.09%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 82.20%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank worsening

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)

Comparing against 1077 peers in tier

Top Strengths (3 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
30
Members Per Employee (MPE)
engagement
Value: 586.634
Peer Avg: 332.881
#30 of 1077 Top 2.7% in 100M-500M tier
159
Total Members
engagement
Value: 24,052
Peer Avg: 15,628
#159 of 1077 Top 14.7% in 100M-500M tier

Top Weaknesses (9 metrics)

1055
Deposit Growth Rate
growth
Value: -7.49%
Peer Avg: 4.69%
#1055 of 1077 Bottom 2.1% in 100M-500M tier
1051
Fee Income Per Member
profitability
Value: $44.84
Peer Avg: $174.31
#1051 of 1077 Bottom 2.5% in 100M-500M tier
1050
Asset Growth Rate
growth
Value: -6.20%
Peer Avg: 4.70%
#1050 of 1077 Bottom 2.6% in 100M-500M tier
1047
Average Member Relationship (AMR)
engagement
Value: $12,314
Peer Avg: $24,363
#1047 of 1077 Bottom 2.9% in 100M-500M tier
1029
AMR Growth Rate
growth
Value: -4.98%
Peer Avg: 3.64%
#1029 of 1077 Bottom 4.5% in 100M-500M tier
1016
Net Charge-Off Rate
risk
Value: 1.24%
Peer Avg: 0.47%
#1016 of 1077 Bottom 5.8% in 100M-500M tier
1001
Return on Assets (ROA)
profitability
Value: 0.00%
Peer Avg: 0.79%
#1001 of 1077 Bottom 7.1% in 100M-500M tier
976
Loan-to-Member Ratio (LMR)
engagement
Value: $5,556
Peer Avg: $10,245
#976 of 1077 Bottom 9.5% in 100M-500M tier
854
Share Certificate Concentration (%)
balance_sheet
Value: 32.55%
Peer Avg: 23.61%
#854 of 1077 Bottom 20.8% in 100M-500M tier