Puerto Rico
Caparra, PR · Charter 13939 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
$188.0MAssets
$143.2MLoans
$164.0MShares
$26.3MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 86% of credit unions under $1B in assets (rank 230 of 1683).
- Widest gap: return on equity trails 76% of credit unions under $1B in assets (rank 1270 of 1681).
- Overall: at or above the peer median on 4 of 7 directional measures.
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 | 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 |