BlastPoint's Credit Union Scorecard
CARIBE
Charter #7345 · PR
CARIBE has 6 strengths but faces 5 concerns
How does the industry compare?
What's your peer group doing?
How does PR stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 28.2% in tier
- + Organic Growth Leader: Top 28.2% in tier
- + ROA 2.72% above tier average
- + Net Interest Margin 1.85% above tier average
- + Efficiency Ratio: Top 0.9% in tier
- + First Mortgage Concentration (%): Top 1.8% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 84.4% in tier
- - Fee Income Per Member: Bottom 0.9% in tier
- - Net Charge-Off Rate: Bottom 5.4% in tier
- - AMR Growth Rate: Bottom 9.9% in tier
- - Share Certificate Concentration (%): Bottom 9.9% 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 111 credit unions with $750M-$1B in assets nationally, and 1 of 1 that size in Puerto Rico.
- Shares and deposits +3.3% year over year ($691M in shares and deposits).
- Membership: 64,987 members, +2.1% vs a year ago.
- Delinquency rate 0.49%.
- Return on assets 3.56%.
- Efficiency ratio 41.22% vs a 74.54% peer average.
- Loan-to-share ratio 88.08% vs a 82.60% 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 |
64,987
+2.1% YoY+1.6% QoQ
|
+12.5K |
52,482
+1.3% YoY
|
27,483
+0.8% YoY
|
34,678
+6.6% YoY
|
80% |
| Assets |
$799.9M
+6.0% YoY+1.3% QoQ
|
$-64.1M |
$863.9M
+0.5% YoY
|
$326.7M
+5.8% YoY
|
$593.1M
+10.2% YoY
|
20% |
| Loans |
$608.9M
-0.8% YoY-0.1% QoQ
|
+$1.1M |
$607.8M
+2.1% YoY
|
$244.1M
+3.8% YoY
|
$418.6M
+10.1% YoY
|
43% |
| Deposits |
$691.3M
+3.3% YoY+0.5% QoQ
|
$-48.6M |
$739.9M
+0.2% YoY
|
$285.3M
+3.8% YoY
|
$504.8M
+10.3% YoY
|
24% |
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| ROA |
3.6%
+342.8% YoY-0.1% QoQ
|
+2.7% |
0.8%
+30.4% YoY
|
1.4%
+80.8% YoY
|
1.2%
+121.4% YoY
|
Top 0.9% in tier |
| NIM |
5.4%
-1.7% YoY-0.2% QoQ
|
+1.8% |
3.5%
+6.2% YoY
|
4.9%
-0.3% YoY
|
3.8%
+2.3% YoY
|
Top 1.8% in tier |
| Efficiency Ratio |
41.2%
+1.5% YoY+2.5% QoQ
|
-33.3% |
74.5%
-1.4% YoY
|
61.1%
+3.2% YoY
|
83.0%
-5.3% YoY
|
Top 0.9% in tier |
| Delinquency Rate |
0.5%
-17.1% YoY+41.8% QoQ
|
-0.3 |
0.8%
+1.0% YoY
|
0.5%
-16.7% YoY
|
1.3%
+2.6% YoY
|
32% |
| Loan To Share |
88.1%
-3.9% YoY-0.6% QoQ
|
+5.5% |
82.6%
+1.9% YoY
|
79.4%
-3.8% YoY
|
66.4%
-1.4% YoY
|
57% |
| AMR |
$20,007
-0.7% YoY-1.4% QoQ
|
$-9K |
$28,702
+0.4% YoY
|
$15,733
+4.2% YoY
|
$20,028
-0.9% YoY
|
Bottom 13.5% in tier |
| CD Concentration |
39.8%
+9.8% YoY+4.8% QoQ
|
+15.3% | 24.6% | 28.3% | 20.0% | Top 7.9% in tier |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 0.0% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (2)
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 (<15%). Healthy, sustainable growth model.
Concerns (1)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)