San Juan, PR · Charter 6918
NCUA · 3 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
32
Asset Quality
77
Profitability
75
Liquidity
59
Efficiency
85
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.
San Juan, PR · Charter 6918
NCUA · 3 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 | 0.85% | 0.85% | 1.34% | 1.50% | 1.14% | 1.00% | 1.14% | 1.18% | -32 bps | |
| Return on Equity | 7.90% | 8.02% | 12.67% | 14.84% | 10.67% | 9.29% | 10.42% | 10.70% | -413 bps | |
| Net Interest Margin | 3.83% | 3.80% | 3.91% | 3.96% | 3.93% | 3.94% | 4.10% | 4.06% | +9 bps | |
| Efficiency Ratio | 65.98% | 64.81% | 62.57% | 57.17% | 59.91% | 61.29% | 59.20% | 63.14% | +597 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.35% | 11.48% | 11.46% | 10.66% | 9.72% | 10.00% | 8.29% | 8.37% | -229 bps | |
| Loan Growth (YoY) | 17.64% | 20.67% | 33.43% | 40.34% | 34.61% | 32.38% | 22.39% | 16.07% | -2,427 bps | |
| Share Growth (YoY) | 11.05% | 10.71% | 9.86% | 9.17% | 9.07% | 8.37% | 7.35% | 7.33% | -184 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.21% | 0.36% | 0.14% | 0.20% | 0.15% | 0.17% | 0.06% | 0.24% | +4 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 | 10.71% | 10.61% | 10.59% | 10.10% | 10.72% | 10.82% | 10.90% | 11.04% | +94 bps | |
| Net Worth / Assets | 10.71% | 10.61% | 10.59% | 10.10% | 10.72% | 10.82% | 10.90% | 11.04% | +94 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.96% | 60.84% | 66.79% | 72.74% | 72.76% | 74.31% | 76.15% | 78.67% | +593 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
San Juan, PR · Charter 6918 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
1.18%
Rank 420 of 1,683
Net Interest Margin
4.06%
Rank 623 of 1,683
Efficiency Ratio
63.14%
Rank 245 of 1,682
Equity / Assets
11.04%
Rank 1,144 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.18% | 0.35% | 0.74% | 1.18% | Beats 75% | 420 / 1,683 | ||
| Return on Equity | 10.71% | 2.67% | 5.89% | 8.74% | Beats 87% | 225 / 1,681 | ||
| Net Interest Margin | 4.06% | 3.31% | 3.82% | 4.32% | Beats 63% | 623 / 1,683 | ||
| Efficiency Ratio | 63.14% | 68.91% | 78.20% | 86.93% | Beats 85% | 245 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.24% | 0.26% | 0.65% | 1.29% | Beats 77% | 388 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.04% | 10.44% | 12.89% | 16.53% | Beats 32% | 1,144 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.04% | 10.44% | 12.89% | 16.53% | Beats 32% | 1,144 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 78.67% | 52.61% | 69.38% | 83.50% | 67th pctl | 555 / 1,683 | ||
| Loans / Assets | 70.53% | 44.71% | 59.18% | 70.72% | 74th pctl | 430 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||