Caparra, PR · Charter 13939
NCUA · 4 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
60
Asset Quality
49
Profitability
45
Liquidity
21
Efficiency
62
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Caparra, PR · Charter 13939
NCUA · 4 branches
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 | -0.32% | -0.28% | 0.04% | 0.02% | 0.00% | 0.16% | 0.45% | 0.37% | +35 bps | |
| Return on Equity | -2.58% | -2.25% | 0.36% | 0.15% | 0.01% | 1.20% | 3.38% | 2.64% | +249 bps | |
| Net Interest Margin | 3.42% | 3.39% | 3.56% | 3.86% | 4.03% | 4.40% | 4.60% | 4.75% | +89 bps | |
| Efficiency Ratio | 82.77% | 82.38% | 80.36% | 78.70% | 79.22% | 76.00% | 73.56% | 74.14% | -456 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.55% | -11.32% | -9.99% | -6.38% | -6.20% | -5.98% | -3.15% | 0.88% | +726 bps | |
| Loan Growth (YoY) | -6.65% | -9.20% | -6.21% | -1.75% | 1.16% | 3.08% | 4.64% | 7.47% | +922 bps | |
| Share Growth (YoY) | -11.02% | -12.00% | -11.67% | -7.73% | -7.49% | -8.14% | -4.56% | -0.34% | +739 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.29% | 0.35% | 0.21% | 0.44% | 0.70% | 0.58% | 0.41% | 0.68% | +24 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.32% | 12.50% | 12.54% | 13.01% | 13.09% | 13.46% | 13.22% | 14.01% | +100 bps | |
| Net Worth / Assets | 12.32% | 12.50% | 12.54% | 13.01% | 13.09% | 13.46% | 13.22% | 14.01% | +100 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.17% | 75.39% | 76.47% | 80.98% | 82.20% | 84.60% | 83.84% | 87.33% | +635 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Caparra, PR · Charter 13939 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
Return on Assets
0.37%
Rank 1,244 of 1,683
Net Interest Margin
4.75%
Rank 230 of 1,683
Efficiency Ratio
74.14%
Rank 642 of 1,682
Equity / Assets
14.01%
Rank 669 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.37% | 0.35% | 0.74% | 1.18% | Beats 26% | 1,244 / 1,683 | ||
| Return on Equity | 2.64% | 2.67% | 5.89% | 8.74% | Beats 24% | 1,270 / 1,681 | ||
| Net Interest Margin | 4.75% | 3.31% | 3.82% | 4.32% | Beats 86% | 230 / 1,683 | ||
| Efficiency Ratio | 74.14% | 68.91% | 78.20% | 86.93% | Beats 62% | 642 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.68% | 0.26% | 0.65% | 1.29% | Beats 49% | 861 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.01% | 10.44% | 12.89% | 16.53% | Beats 60% | 669 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.01% | 10.44% | 12.89% | 16.53% | Beats 60% | 669 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 87.33% | 52.61% | 69.38% | 83.50% | 82nd pctl | 308 / 1,683 | ||
| Loans / Assets | 76.17% | 44.71% | 59.18% | 70.72% | 85th pctl | 245 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||