San Juan, PR · Charter 7345
NCUA · 7 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |