CARIBE

Charter #7345 | PR

750M-1B (112 CUs) Community (281 CUs)
1 750M-1B in PR

CARIBE has 10 strengths but faces 7 concerns

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
  • + 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
 Top 19.6% in tier
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
 48th in tier
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
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
 Top 15.2% in tier
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
 35th in tier
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
 71st in tier
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%
-5.8% YoY
 0.0% 7.9%
-2.9% YoY
 Bottom 0.0% in tier

Signature Analysis

Strengths (2)

Organic Growth Engine

growth
#11 of 603 • Top 0.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 16.03%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 1.33%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 0.00%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Organic Growth Leader

growth
#17 of 430 • Top 1.2% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 16.03%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 281 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank improving

Concerns (3)

Margin Compression

decline
#9 of 136 • Bottom 1.9% in tier

Strong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.

Why This Signature
Return on Assets: 1.33%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
ROA Change (YoY): -0.52% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Total Assets: $750.56M
(Tier: $859.01M, National: $547.69M)
worse than tier avg
136 of 281 Community CUs have this signature | 169 nationally
↓ Shrinking -43 CUs YoY | New qualifier

Shrinking Wallet Share

decline
#68 of 244 • Bottom 6.7% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -4.74%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 281 Community CUs have this signature | 346 nationally
↓ Shrinking -221 CUs YoY | New qualifier

Liquidity Strain

risk
#114 of 258 • Bottom 14.6% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 92.71%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 13.96%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
258 of 281 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | New qualifier

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)

Comparing against 112 peers in tier

Top Strengths (9 metrics)

1
Net Interest Margin (NIM)
profitability
Value: 5.57%
Peer Avg: 3.38%
#1 of 112 Top 0.0% in 750M-1B tier
1
Efficiency Ratio
profitability
Value: 38.02%
Peer Avg: 74.52%
#1 of 112 Top 0.0% in 750M-1B tier
1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 16.60%
#1 of 112 Top 0.0% in 750M-1B tier
2
Member Growth Rate
growth
Value: 16.03%
Peer Avg: 1.14%
#2 of 112 Top 0.9% in 750M-1B tier
3
First Mortgage Concentration (%)
balance_sheet
Value: 6.28%
Peer Avg: 33.64%
#3 of 112 Top 1.8% in 750M-1B tier
12
Loan Growth Rate
growth
Value: 13.96%
Peer Avg: 4.84%
#12 of 112 Top 9.8% in 750M-1B tier
17
Return on Assets (ROA)
profitability
Value: 1.33%
Peer Avg: 0.71%
#17 of 112 Top 14.3% in 750M-1B tier
22
Total Members
engagement
Value: 64,492
Peer Avg: 52,114
#22 of 112 Top 18.8% in 750M-1B tier
28
Members Per Employee (MPE)
engagement
Value: 390.861
Peer Avg: 361.634
#28 of 112 Top 24.1% in 750M-1B tier

Top Weaknesses (7 metrics)

112
Fee Income Per Member
profitability
Value: $38.13
Peer Avg: $204.75
#112 of 112 Bottom 0.9% in 750M-1B tier
112
Total Assets
balance_sheet
Value: $750.56M
Peer Avg: $859.01M
#112 of 112 Bottom 0.9% in 750M-1B tier
109
Net Charge-Off Rate
risk
Value: 1.83%
Peer Avg: 0.61%
#109 of 112 Bottom 3.6% in 750M-1B tier
107
AMR Growth Rate
growth
Value: -4.74%
Peer Avg: 4.90%
#107 of 112 Bottom 5.4% in 750M-1B tier
100
Total Deposits
balance_sheet
Value: $665.56M
Peer Avg: $734.17M
#100 of 112 Bottom 11.6% in 750M-1B tier
97
Average Member Relationship (AMR)
engagement
Value: $19,888
Peer Avg: $28,651
#97 of 112 Bottom 14.3% in 750M-1B tier
95
Share Certificate Concentration (%)
balance_sheet
Value: 37.14%
Peer Avg: 28.34%
#95 of 112 Bottom 16.1% in 750M-1B tier