San Juan, PR · Charter 12771
NCUA · 1 branch
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.40% | 0.85% | 0.73% | 0.79% | 1.06% | 1.10% | 0.53% | 0.51% | -28 bps | |
| Return on Equity | 10.12% | 5.91% | 5.18% | 5.47% | 7.22% | 6.89% | 3.67% | 3.59% | -187 bps | |
| Net Interest Margin | 6.17% | 6.43% | 6.22% | 6.31% | 6.27% | 6.65% | 5.34% | 5.17% | -114 bps | |
| Efficiency Ratio | 61.99% | 62.65% | 61.79% | 60.40% | 59.96% | 61.86% | 64.83% | 66.03% | +563 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.44% | -1.84% | -2.24% | -5.33% | -1.68% | -4.03% | 3.60% | 7.87% | +1,321 bps | |
| Loan Growth (YoY) | -5.97% | -4.40% | -3.89% | -4.66% | -6.70% | -12.79% | -16.11% | -19.12% | -1,445 bps | |
| Share Growth (YoY) | -12.57% | -3.50% | -3.72% | -6.84% | -2.80% | -6.12% | 2.97% | 8.05% | +1,489 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.69% | 1.32% | 1.19% | 1.12% | 3.73% | 0.67% | 1.16% | 0.55% | -57 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.90% | 2.37% | 2.05% | 2.62% | 2.46% | 2.41% | 3.19% | 2.99% | +37 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.85% | 14.30% | 14.12% | 14.48% | 14.71% | 16.01% | 14.58% | 14.28% | -20 bps | |
| Net Worth / Assets | 13.85% | 14.30% | 14.12% | 14.48% | 14.71% | 16.01% | 14.58% | 14.28% | -20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.23% | 88.53% | 83.80% | 84.99% | 81.81% | 82.25% | 68.27% | 63.62% | -2,137 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |