San Juan, PR · Charter 7345
NCUA · 7 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
41
Asset Quality
60
Profitability
98
Liquidity
18
Efficiency
99
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 7345
NCUA · 7 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 | 1.84% | 0.97% | 0.02% | 0.80% | 1.34% | 1.74% | 3.56% | 3.54% | +274 bps | |
| Return on Equity | 15.81% | 9.28% | 0.17% | 7.89% | 12.34% | 16.15% | 31.55% | 29.39% | +2,149 bps | |
| Net Interest Margin | 4.85% | 4.77% | 5.28% | 5.44% | 5.58% | 5.50% | 5.37% | 5.32% | -12 bps | |
| Efficiency Ratio | 40.35% | 40.93% | 41.11% | 40.60% | 38.02% | 38.14% | 40.22% | 41.22% | +62 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.50% | 9.03% | 10.22% | 10.01% | 7.30% | 4.75% | 5.01% | 6.00% | -402 bps | |
| Loan Growth (YoY) | 0.36% | 4.05% | 9.33% | 15.98% | 13.96% | 11.15% | 6.53% | -0.75% | -1,673 bps | |
| Share Growth (YoY) | 5.19% | 10.36% | 11.78% | 9.67% | 7.53% | 3.39% | 3.02% | 3.33% | -634 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.94% | 1.07% | 0.60% | 0.59% | 0.53% | 0.53% | 0.35% | 0.49% | -10 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 | 11.63% | 10.46% | 9.80% | 10.17% | 10.82% | 10.77% | 11.29% | 12.04% | +187 bps | |
| Net Worth / Assets | 11.63% | 10.46% | 9.80% | 10.17% | 10.82% | 10.77% | 11.29% | 12.04% | +187 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.48% | 85.04% | 85.66% | 91.70% | 92.71% | 91.42% | 88.58% | 88.08% | -362 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 7345 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 7 branches
Q2 2026
Return on Assets
3.54%
Rank 6 of 1,683
Net Interest Margin
5.32%
Rank 93 of 1,683
Efficiency Ratio
41.22%
Rank 23 of 1,682
Equity / Assets
12.04%
Rank 988 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 3.54% | 0.35% | 0.74% | 1.18% | Beats 100% | 6 / 1,683 | ||
| Return on Equity | 29.39% | 2.67% | 5.89% | 8.74% | Beats 100% | 4 / 1,681 | ||
| Net Interest Margin | 5.32% | 3.31% | 3.82% | 4.32% | Beats 94% | 93 / 1,683 | ||
| Efficiency Ratio | 41.22% | 68.91% | 78.20% | 86.93% | Beats 99% | 23 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.49% | 0.26% | 0.65% | 1.29% | Beats 60% | 677 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.04% | 10.44% | 12.89% | 16.53% | Beats 41% | 988 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.04% | 10.44% | 12.89% | 16.53% | Beats 41% | 988 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 88.08% | 52.61% | 69.38% | 83.50% | 83rd pctl | 282 / 1,683 | ||
| Loans / Assets | 76.12% | 44.71% | 59.18% | 70.72% | 85th pctl | 246 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||