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 | |