PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Puerto Rico

Caparra, PR · Charter 13939

NCUA · 4 branches

Q2 2026

$188.0MAssets
$143.2MLoans
$164.0MShares
$26.3MNet Worth

Executive Summary

  • Earnings: ROA of 0.37%, up 35 bps year over year; NIM at 4.75%.
  • Asset quality: problem loans at 0.68% of loans (+24 bps YoY).
  • Capital: net worth / assets of 14.01%, up 100 bps from a year ago.
  • Funding: loans stand at 87.33% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.37%+35 bps YoY

Net Interest Margin (YTD, annualized)

4.75%+89 bps YoY

Efficiency Ratio (YTD, annualized)

74.14%-456 bps YoY

Net Worth / Assets

14.01%+100 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
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 Margin3.42%3.39%3.56%3.86%4.03%4.40%4.60%4.75%+89 bps
Efficiency Ratio82.77%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 / Loans0.29%0.35%0.21%0.44%0.70%0.58%0.41%0.68%+24 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.32%12.50%12.54%13.01%13.09%13.46%13.22%14.01%+100 bps
Net Worth / Assets12.32%12.50%12.54%13.01%13.09%13.46%13.22%14.01%+100 bps
Liquidity & Funding
Loans / Shares75.17%75.39%76.47%80.98%82.20%84.60%83.84%87.33%+635 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps