BlastPoint's Credit Union Scorecard

CARIBE

Charter #7345 · PR

Community 750M-1B

117 CUs in 750M-1B nationally 1 in PR

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CARIBE has 6 strengths but faces 2 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

PR Analysis

How does PR stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 12.7% in tier
+ Organic Growth Leader: Top 12.7% in tier
+ ROA 2.80% above tier average
+ Net Interest Margin 1.91% above tier average
+ Efficiency Ratio: Top 0.1% in tier
+ First Mortgage Concentration (%): Top 1.7% in tier

Key Concerns

Areas that may need attention

- Fee Income Per Member: Bottom 0.9% in tier
- Net Charge-Off Rate: Bottom 6.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (PR)	National Avg	Tier Percentile
Members	63,943 +4.4% YoY-0.7% QoQ	+12.4K	51,500 +0.7% YoY	27,089 +2.0% YoY	33,913 +5.7% YoY	82%
Assets	$789.8M +5.0% YoY+3.5% QoQ	$-75.8M	$865.6M +0.9% YoY	$322.7M +4.5% YoY	$578.3M +9.0% YoY	20%
Loans	$609.3M +6.5% YoY-0.6% QoQ	+$14.0M	$595.3M +1.6% YoY	$240.3M +9.3% YoY	$402.4M +8.7% YoY	49%
Deposits	$687.8M +3.0% YoY+2.6% QoQ	$-54.3M	$742.2M +0.6% YoY	$283.4M +2.9% YoY	$494.3M +9.1% YoY	24%

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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	3.6% +103.2% QoQ	+2.8%	0.8% +45.0% YoY	1.4% +162.1% YoY	0.4% -39.2% YoY	Top 0.9% in tier
NIM	5.4% +0.1% YoY-3.3% QoQ	+1.9%	3.5% +6.1% YoY	4.9% +1.1% YoY	3.8% +4.1% YoY	Top 1.7% in tier
Efficiency Ratio	40.2% -2.2% YoY+5.4% QoQ	-35.3%	75.5% -3.4% YoY	59.5% -3.3% YoY	84.6% +2.8% YoY	Top 0.1% in tier
Delinquency Rate	0.3% -42.1% YoY-35.2% QoQ	-0.3	0.7% -0.1% YoY	0.5% -8.0% YoY	1.2% +3.4% YoY	24%
Loan To Share	88.6% +3.4% YoY-3.1% QoQ	+8.0%	80.6% +0.7% YoY	79.2% +1.3% YoY	65.6% -1.4% YoY	64%
AMR	$20,286 +0.2% YoY+1.8% QoQ	$-9K	$28,908 +0.7% YoY	$15,670 +4.5% YoY	$19,920 +1.6% YoY	Bottom 13.7% in tier
CD Concentration	38.0% +7.2% YoY+0.3% QoQ	+13.7%	24.3%	27.3%	19.8%	Top 9.3% in tier
Indirect Auto %	0.0%	-13.8%	13.8%	0.0%	7.7%	Top 0.1% in tier

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#15 of 352 • Top 12.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 4.44%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 3.56%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

499 nationally

→ No prior data (352 CUs now) | New qualifier

Organic Growth Leader

growth

#97 of 371 • Top 12.7% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 4.44%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

518 nationally

→ No prior data (371 CUs now) | New qualifier

Concerns (0)

No concerns identified

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 117 peers in tier

Top Strengths (9 metrics)

Return on Assets (ROA)

profitability

Value: 3.56%

Peer Median: 0.63%

#1 of 117 Top 0.1% in 750M-1B tier

Efficiency Ratio

profitability

Value: 40.22%

Peer Median: 77.38%

#1 of 117 Top 0.1% in 750M-1B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 13.79%

#1 of 117 Top 0.1% in 750M-1B tier

Net Interest Margin (NIM)

profitability

Value: 5.37%

Peer Median: 3.47%

#2 of 117 Top 0.9% in 750M-1B tier

First Mortgage Concentration (%)

balance_sheet

Value: 6.70%

Peer Median: 32.60%

#3 of 117 Top 1.7% in 750M-1B tier

Total Members

engagement

Value: 63,943

Peer Median: 51,712

#21 of 117 Top 17.1% in 750M-1B tier

Member Growth Rate

growth

Value: 4.44%

Peer Median: 0.97%

#22 of 117 Top 17.9% in 750M-1B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.35%

Peer Median: 0.56%

#29 of 117 Top 23.9% in 750M-1B tier

Members Per Employee (MPE)

engagement

Value: 373.936

Peer Median: 328.468

#30 of 117 Top 24.8% in 750M-1B tier

Top Weaknesses (8 metrics)

117

Fee Income Per Member

profitability

Value: $17.76

Peer Median: $187.56

#117 of 117 Bottom 0.9% in 750M-1B tier

111

Net Charge-Off Rate

risk

Value: 1.63%

Peer Median: 0.47%

#111 of 117 Bottom 6.0% in 750M-1B tier

106

Share Certificate Concentration (%)

balance_sheet

Value: 38.01%

Peer Median: 26.77%

#106 of 117 Bottom 10.3% in 750M-1B tier

101

Average Member Relationship (AMR)

engagement

Value: $20,286

Peer Median: $26,209

#101 of 117 Bottom 14.5% in 750M-1B tier

AMR Growth Rate

growth

Value: 0.19%

Peer Median: 3.70%

#97 of 117 Bottom 17.9% in 750M-1B tier

Total Assets

balance_sheet

Value: $789.83M

Peer Median: $858.87M

#94 of 117 Bottom 20.5% in 750M-1B tier

Total Deposits

balance_sheet

Value: $687.84M

Peer Median: $735.65M

#89 of 117 Bottom 24.8% in 750M-1B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $9,528

Peer Median: $11,598

#89 of 117 Bottom 24.8% in 750M-1B tier