Caribe
San Juan, PR · Charter 7345 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 7 branches
Q2 2026
$799.9MAssets
$608.9MLoans
$691.3MShares
$96.3MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 100% of credit unions under $1B in assets (rank 6 of 1683).
- Widest gap: equity / assets trails 59% of credit unions under $1B in assets (rank 988 of 1683).
- Overall: at or above the peer median on 5 of 7 directional measures.
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 | 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 |