Puerto Rico Employee Groups
San Juan, PR · Charter 12771 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$3.4MAssets
$1.8MLoans
$2.9MShares
$481KNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 93% of credit unions under $1B in assets (rank 116 of 1683).
- Widest gap: return on equity trails 67% of credit unions under $1B in assets (rank 1125 of 1681).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
0.53%
Rank 1,089 of 1,683
Net Interest Margin
5.17%
Rank 116 of 1,683
Efficiency Ratio
65.59%
Rank 312 of 1,682
Equity / Assets
14.29%
Rank 628 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.53% | 0.35% | 0.74% | 1.18% | Beats 35% | 1,089 / 1,683 | |
| Return on Equity | 3.74% | 2.67% | 5.89% | 8.74% | Beats 33% | 1,125 / 1,681 | |
| Net Interest Margin | 5.17% | 3.31% | 3.82% | 4.32% | Beats 93% | 116 / 1,683 | |
| Efficiency Ratio | 65.59% | 68.91% | 78.20% | 86.93% | Beats 82% | 312 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.55% | 0.26% | 0.65% | 1.29% | Beats 56% | 739 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.29% | 10.44% | 12.89% | 16.53% | Beats 63% | 628 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 14.29% | 10.44% | 12.89% | 16.53% | Beats 63% | 628 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 63.62% | 52.61% | 69.38% | 83.50% | 40th pctl | 1,007 / 1,683 | |
| Loans / Assets | 54.00% | 44.71% | 59.18% | 70.72% | 41st pctl | 997 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |