PUERTO RICO
Charter #13939 · Caparra, PR · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.66% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 1.12% sits at the 92nd percentile of structural peers — worth a closer look.
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 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $187.24M | 46th pct | 48th pct |
| Members | 22,856 | 85th pct | 70th pct |
| Net worth ratio | 13.22% | 71th pct | 74th pct |
| Return on average assets | 0.45% | 33th pct | 34th pct |
| Net interest margin | 4.66% | 93th pct | 92th pct |
| Cost of funds | 1.16% | 47th pct | 41th pct |
| Loan-to-share | 83.84% | 77th pct | 74th pct |
| Delinquency 60+ days | 0.41% | 32th pct | 36th pct |
| Net charge-off ratio | 1.12% | 91th pct | 92th pct |
| Loan growth YoY | 3.07% | 76th pct | 75th pct |
| Share growth YoY | 1.05% | 18th pct | 20th pct |
| Efficiency ratio | 73.56% | 33th pct | 26th pct |
structural peer set hash: 073ba80befbf47117a7e4e0e15a4a6c3… (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.