BlastPoint's Credit Union Scorecard
CARIBE
Charter #7345 · PR
CARIBE has 9 strengths but faces 6 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 0.0% in tier
- + Organic Growth Leader: Top 9.2% in tier
- + ROA 1.01% above tier average
- + Net Interest Margin 2.15% above tier average
- + Strong member growth: 8.1% YoY
- + Efficiency Ratio: Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 2.6% in tier
- + Member Growth Rate: Top 5.1% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 61.2% in tier
- - Shrinking Wallet Share: Bottom 86.5% in tier
- - Fee Income Per Member: Bottom 2.6% in tier
- - Net Charge-Off Rate: Bottom 3.4% in tier
- - AMR Growth Rate: Bottom 9.4% in tier
- - Total Assets: Bottom 9.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
64,367
+8.1% YoY-0.2% QoQ
|
+12.3K |
52,084
-1.6% YoY
|
27,501
+5.6% YoY
|
33,374
+5.7% YoY
|
82% |
| Assets |
$763.0M
+4.7% YoY+1.7% QoQ
|
$-100.9M |
$863.9M
+0.5% YoY
|
$313.3M
+4.2% YoY
|
$561.6M
+9.7% YoY
|
Bottom 8.5% in tier |
| Loans |
$612.7M
+11.2% YoY-0.7% QoQ
|
+$6.9M |
$605.8M
+1.4% YoY
|
$238.4M
+13.7% YoY
|
$397.0M
+8.8% YoY
|
44% |
| Deposits |
$670.2M
+3.4% YoY+0.7% QoQ
|
$-67.1M |
$737.3M
+0.1% YoY
|
$276.6M
+2.7% YoY
|
$477.3M
+9.7% YoY
|
17% |
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| ROA |
1.8%
+77.0% YoY+31.6% QoQ
|
+1.0% |
0.7%
+39.1% YoY
|
1.0%
+66.7% YoY
|
0.7%
+15.9% YoY
|
Top 2.6% in tier |
| NIM |
5.5%
+14.0% YoY-0.3% QoQ
|
+2.2% |
3.4%
+8.7% YoY
|
5.1%
+10.7% YoY
|
3.8%
+5.1% YoY
|
Top 0.9% in tier |
| Efficiency Ratio |
38.1%
-6.8% YoY+0.3% QoQ
|
-36.2% |
74.3%
-3.6% YoY
|
59.3%
-5.4% YoY
|
79.7%
-3.3% YoY
|
Bottom 0.0% in tier |
| Delinquency Rate |
0.5%
-50.0% YoY-0.3% QoQ
|
-0.3 |
0.9%
+3.8% YoY
|
0.5%
-36.9% YoY
|
1.3%
-2.1% YoY
|
30% |
| Loan To Share |
91.4%
+7.5% YoY-1.4% QoQ
|
+8.9% |
82.6%
+1.1% YoY
|
83.1%
+7.4% YoY
|
67.4%
-1.7% YoY
|
71% |
| AMR |
$19,931
-1.1% YoY+0.2% QoQ
|
$-9K |
$28,873
+2.7% YoY
|
$15,130
+2.8% YoY
|
$19,687
+2.0% YoY
|
Bottom 12.8% in tier |
| CD Concentration |
37.9%
+6.4% YoY+2.0% QoQ
|
+13.5% | 24.4% | 27.0% | 19.8% | Top 9.8% in tier |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 0.0% | 7.8% | Bottom 0.0% 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 (<20%). Healthy, sustainable growth model.
Concerns (2)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)