PUERTO RICO EMPLOYEE GROUPS
Charter #12771 · SAN JUAN, PR · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 5.62% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 64.83% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 74th percentile but its structural peers at the 41st — a 33-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | PUERTO RICO EMPLOYEE GROUPS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $3.27M | 43th pct | 11th pct |
| Members | 851 | 74th pct | 41th pct |
| Net worth ratio | 14.58% | 36th pct | 46th pct |
| Return on average assets | 0.56% | 56th pct | 49th pct |
| Net interest margin | 5.62% | 87th pct | 90th pct |
| Cost of funds | 0.58% | 53th pct | 31th pct |
| Loan-to-share | 68.27% | 61th pct | 44th pct |
| Delinquency 60+ days | 1.16% | 56th pct | 69th pct |
| Net charge-off ratio | 0.10% | 75th pct | 69th pct |
| Loan growth YoY | -13.73% | 17th pct | 3th pct |
| Share growth YoY | 3.38% | 73th pct | 57th pct |
| Efficiency ratio | 64.83% | 20th pct | 21th pct |
structural peer set hash: 1903845bce13951785953eee984650fc… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.