PR credit unions delivered robust profitability improvements in Q4 2025, with ROA climbing to 1.00% from 0.89% quarter-over-quarter and surging from 0.60% year-over-year. Net interest margin expanded to 5.08%, significantly outpacing the national benchmark of 3.72%. Risk metrics improved substantially, with delinquencies falling to 0.49% from 1.28% in Q3 and 0.77% a year ago. However, growth momentum decelerated, with member growth slowing to 2.30% from 4.02% quarterly and asset growth moderating to 1.18% from 2.29%. Strong fundamentals position these institutions well despite growth headwinds.
✦ CU Wrapped 2025 · Annual Review
Puerto Rico Credit Unions
PR Credit Unions
2025-Q4
4 Credit Unions
PR Credit Unions Post Strong Profitability Gains as Risk Profile Improves Dramatically
Key Insights
Year-over-Year Changes
First Mortgage Concentration (%) (Absolute)
▲
2024-Q4
→
2025-Q4
6.84% → 9.12%
(+2.28%)
Indirect Auto Concentration (%) (Absolute)
—
2024-Q4
→
2025-Q4
0.00% → 0.00%
(+0.00%)
Share Certificate Concentration (%) (Absolute)
▲
2024-Q4
→
2025-Q4
26.75% → 27.00%
(+0.25%)
Net Worth Ratio (Absolute)
▲
2024-Q4
→
2025-Q4
11.95% → 12.77%
(+0.82%)
Net Interest Margin (NIM) (Absolute)
▲
2024-Q4
→
2025-Q4
4.59% → 5.08%
(+0.49%)
Quarter-over-Quarter Changes
First Mortgage Concentration (%) (Absolute)
▲
2025-Q3
→
2025-Q4
7.99% → 9.12%
(+1.13%)
Loan Growth (YoY) (Absolute)
▼
2025-Q3
→
2025-Q4
10.76% → 8.46%
(-2.30%)
Indirect Auto Concentration (%) (Absolute)
—
2025-Q3
→
2025-Q4
0.00% → 0.00%
(+0.00%)
Asset Growth (YoY) (Absolute)
▼
2025-Q3
→
2025-Q4
2.29% → 1.18%
(-1.10%)
Share Certificate Concentration (%) (Absolute)
—
2025-Q3
→
2025-Q4
27.00% → 27.00%
(+0.00%)
Key Metrics
Return on Assets
1.00%
▲ YoY27 basis points above national
Net Interest Margin
5.08%
▲ YoY1.36 percentage points above national
Asset Growth
1.18%
— YoYMember Growth
2.30%
Delinquency Rate
0.49%
▼ YoYNet Worth Ratio
12.77%
AMR Growth
0.53%
Deposit Growth
1.58%
Insufficient historical data for trend visualization
Loan Growth
8.46%
— YoYMember Engagement
Member Growth (YoY %)
Member engagement showed mixed signals in Q4 2025. Member growth decelerated to 2.30% from 4.02% in Q3 2025, though year-over-year data remains unavailable for comparison. Despite the quarterly slowdown, the cohort continues to significantly outperform the national benchmark, maintaining growth 2.99 percentage points above the industry's declining -0.69% rate.
Profitability
Return on Assets (%)
Net Interest Margin (%)
Profitability metrics strengthened across both timeframes in Q4 2025. ROA increased to 1.00% from 0.89% quarter-over-quarter and surged from 0.60% year-over-year, reaching 27 basis points above national levels. Net interest margin similarly expanded to 5.08% from 4.97% quarterly and 4.59% annually, maintaining a substantial 1.36 percentage point advantage over the national 3.72% benchmark.
Growth
Asset Growth (YoY %)
Member Growth (YoY %)
Growth momentum decelerated across key metrics in Q4 2025. Asset growth slowed to 1.18% from 2.29% quarter-over-quarter, falling 1.92 percentage points below the national 3.11% rate. Loan growth similarly decelerated to 8.46% from 10.76% quarterly, though it remains exceptionally strong at 7.94 percentage points above the national 0.52% benchmark. Year-over-year growth comparisons remain unavailable.
Risk & Credit Quality
Delinquency Rate (%)
Net Worth Ratio (%)
Risk metrics improved substantially across both measurement periods in Q4 2025. Delinquencies decreased dramatically to 0.49% from 1.28% quarter-over-quarter and declined from 0.77% year-over-year, positioning 41 basis points below the national 0.90% rate. Net worth strengthened to 12.77% from 12.31% quarterly and 11.95% annually, though remaining 91 basis points below the national 13.68% benchmark.
Portfolio Mix
First Mortgage (%)
Indirect Auto (%)
Share Certificates (%)
Portfolio composition shifted toward residential lending in Q4 2025. First mortgage concentration increased to 9.12% from 7.99% quarter-over-quarter and expanded from 6.84% year-over-year, though remaining well below the national 21.97% average. Certificate deposits held steady at 27.00% both quarterly and annually, significantly exceeding the national 19.80% benchmark. Indirect auto lending remained absent at 0.00%.
Strategic Implications
- • Exceptional NIM performance suggests strong pricing discipline and asset-liability management capabilities worth preserving.
- • Dramatic delinquency improvement indicates effective risk management systems that should be maintained and potentially expanded.
- • Growth deceleration may require strategic initiatives to reignite member acquisition and balance sheet expansion.
- • Low mortgage concentration presents opportunity to diversify into higher-yielding residential lending products.
- • Strong profitability metrics provide capital flexibility for strategic investments or enhanced member services.
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Notable Patterns
How This Cohort Compares to National
First Mortgage Share is 12.9pp below national
Loan Growth (annual) is 7.9pp above national
Indirect Auto Pct is 7.8pp below national
Certificate Pct is 7.2pp above national
Member Growth (annual) is 3.0pp above national