BlastPoint's Credit Union Scorecard
CARIBE
Charter #7345 · PR
CARIBE has 11 strengths but faces 7 concerns
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How does PR stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 0.5% in tier
- + Organic Growth Leader: Top 1.2% in tier
- + Profitability Leader: Top 62.2% in tier
- + ROA 0.62% above tier average
- + Net Interest Margin 2.19% above tier average
- + Strong member growth: 16.0% YoY
- + Efficiency Ratio: Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 0.9% in tier
- + First Mortgage Concentration (%): Top 1.8% in tier
- + Loan Growth Rate: Top 9.8% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 1.9% in tier
- - Shrinking Wallet Share: Bottom 6.7% in tier
- - Liquidity Strain: Bottom 14.6% in tier
- - Fee Income Per Member: Bottom 0.9% in tier
- - Total Assets: Bottom 0.9% in tier
- - Net Charge-Off Rate: Bottom 3.6% in tier
- - AMR Growth Rate: Bottom 5.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
64,492
+16.0% YoY+1.4% QoQ
|
+12.4K |
52,114
-2.1% YoY
|
27,493
+32.9% YoY
|
33,089
+6.1% YoY
|
80% |
| Assets |
$750.6M
+7.3% YoY-0.5% QoQ
|
$-108.4M |
$859.0M
+0.0% YoY
|
$309.3M
+29.1% YoY
|
$547.7M
+7.8% YoY
|
Bottom 0.0% in tier |
| Loans |
$617.1M
+14.0% YoY+0.6% QoQ
|
+$13.7M |
$603.4M
+1.0% YoY
|
$237.2M
+42.6% YoY
|
$388.7M
+8.6% YoY
|
48% |
| Deposits |
$665.6M
+7.5% YoY-0.5% QoQ
|
$-68.6M |
$734.2M
+0.9% YoY
|
$275.0M
+28.7% YoY
|
$464.6M
+9.3% YoY
|
Bottom 10.7% in tier |
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| ROA |
1.3%
-28.3% YoY+65.7% QoQ
|
+0.6% |
0.7%
+27.6% YoY
|
0.9%
+59.4% YoY
|
0.7%
+273.4% YoY
|
85% |
| NIM |
5.6%
+13.7% YoY+2.1% QoQ
|
+2.2% |
3.4%
+9.6% YoY
|
5.0%
+16.0% YoY
|
3.7%
+5.0% YoY
|
Top 0.9% in tier |
| Efficiency Ratio |
38.0%
-5.8% YoY-6.4% QoQ
|
-36.5% |
74.5%
-3.2% YoY
|
59.3%
-20.7% YoY
|
79.1%
-3.3% YoY
|
Bottom 0.0% in tier |
| Delinquency Rate |
0.5%
-43.1% YoY-9.5% QoQ
|
-0.3 |
0.8%
+5.0% YoY
|
1.3%
+60.6% YoY
|
1.2%
-0.9% YoY
|
35% |
| Loan To Share |
92.7%
+6.0% YoY+1.1% QoQ
|
+10.1% |
82.7%
+0.1% YoY
|
82.4%
+18.0% YoY
|
68.0%
-1.7% YoY
|
71% |
| AMR |
$19,888
-4.7% YoY-1.3% QoQ
|
$-9K |
$28,651
+2.5% YoY
|
$15,116
+8.6% YoY
|
$19,418
+1.3% YoY
|
Bottom 13.4% in tier |
| CD Concentration |
37.1%
+3.4% YoY+2.3% QoQ
|
+12.7% |
24.4%
+4.2% YoY
|
27.0%
+23.6% YoY
|
19.6%
+6.2% YoY
|
Top 11.6% in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
0.0% |
7.9%
-2.9% YoY
|
Bottom 0.0% in tier |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (3)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)