CARIBE
Charter #7345 · San Juan, PR · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 3.62% ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 5.46% ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.35% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 1.63% sits at the 97th percentile of structural peers — worth a closer look.
- Efficiency ratio of 40.22% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
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 | CARIBE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $789.83M | 67th pct | 31th pct |
| Members | 63,943 | 91th pct | 48th pct |
| Net worth ratio | 11.29% | 62th pct | 74th pct |
| Return on average assets | 3.62% | 100th pct | 98th pct |
| Net interest margin | 5.46% | 99th pct | 98th pct |
| Cost of funds | 1.48% | 51th pct | 43th pct |
| Loan-to-share | 88.58% | 73th pct | 49th pct |
| Delinquency 60+ days | 0.35% | 26th pct | 18th pct |
| Net charge-off ratio | 1.63% | 97th pct | 97th pct |
| Loan growth YoY | -1.26% | 23th pct | 16th pct |
| Share growth YoY | 3.35% | 41th pct | 30th pct |
| Efficiency ratio | 40.22% | 0th pct | 0th pct |
structural peer set hash: cd5e83f20555180a2ad9162d1f914e31… (reproducible)
Closest structural peers
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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.