BlastPoint's Credit Union Scorecard
PUERTO RICO
Charter #13939 · PR
PUERTO RICO has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + Net Interest Margin 1.07% above tier average
- + Members Per Employee (MPE): Top 2.1% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - ROA 0.49% below tier average
- - Member decline: -3.5% YoY
- - Fee Income Per Member: Bottom 2.1% in tier
- - Average Member Relationship (AMR): Bottom 4.0% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 2 that size in Puerto Rico.
- Shares and deposits -0.3% year over year ($164M in shares and deposits).
- Membership: 23,142 members, -3.5% vs a year ago.
- Delinquency rate 0.68%.
- Return on assets 0.37%.
- Efficiency ratio 74.14% vs a 76.73% peer average.
- Loan-to-share ratio 87.33% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (PR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
23,142
-3.5% YoY+1.3% QoQ
|
+8.0K |
15,168
-2.6% YoY
|
27,483
+0.8% YoY
|
34,678
+6.6% YoY
|
85% |
| Assets |
$188.0M
+0.9% YoY+0.4% QoQ
|
$-44.0M |
$232.0M
+0.7% YoY
|
$326.7M
+5.8% YoY
|
$593.1M
+10.2% YoY
|
47% |
| Loans |
$143.2M
+7.5% YoY+4.0% QoQ
|
$-3.0M |
$146.3M
+0.2% YoY
|
$244.1M
+3.8% YoY
|
$418.6M
+10.1% YoY
|
59% |
| Deposits |
$164.0M
-0.3% YoY-0.2% QoQ
|
$-36.7M |
$200.7M
+0.2% YoY
|
$285.3M
+3.8% YoY
|
$504.8M
+10.3% YoY
|
47% |
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| ROA |
0.4%
-16.9% QoQ
|
-0.5% |
0.9%
+12.5% YoY
|
1.4%
+80.8% YoY
|
1.2%
+121.4% YoY
|
20% |
| NIM |
4.8%
+25.7% YoY+3.4% QoQ
|
+1.1% |
3.7%
+4.5% YoY
|
4.9%
-0.3% YoY
|
3.8%
+2.3% YoY
|
Top 6.4% in tier |
| Efficiency Ratio |
74.1%
-5.8% YoY+0.8% QoQ
|
-2.6% |
76.7%
-0.8% YoY
|
61.1%
+3.2% YoY
|
83.0%
-5.3% YoY
|
39% |
| Delinquency Rate |
0.7%
+53.4% YoY+67.8% QoQ
|
-0.2 |
0.9%
+6.6% YoY
|
0.5%
-16.7% YoY
|
1.3%
+2.6% YoY
|
48% |
| Loan To Share |
87.3%
+7.8% YoY+4.2% QoQ
|
+15.8% |
71.5%
-0.3% YoY
|
79.4%
-3.8% YoY
|
66.4%
-1.4% YoY
|
81% |
| AMR |
$13,276
+6.9% YoY+0.5% QoQ
|
$-12K |
$25,107
+3.2% YoY
|
$15,733
+4.2% YoY
|
$20,028
-0.9% YoY
|
Bottom 3.9% in tier |
| CD Concentration |
33.2%
+1.7% YoY+3.0% QoQ
|
+8.6% | 24.6% | 28.3% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 0.0% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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.
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)