Puerto Rico

Caparra, PR · 1 · Charter #13939 · www.prfedcu.com
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$182.2M
84th percentile
Members
24,188
99th percentile
Total loans
$135.0M
91th percentile
Total shares
$153.6M
83th percentile

Profitability

Return on assets
1.20%
61th percentile
Net interest margin
4.40%
86th percentile
Efficiency ratio
61.35%
55th percentile
Non-interest income ratio
9.41%
13th percentile

Capital & Risk

Net worth ratio
13.46%
64th percentile
Delinquency rate
0.58%
58th percentile
Net charge-off rate
1.35%
6th percentile
Loan-to-share
87.86%
83th percentile

Growth

Member growth YoY
1.64%
76th percentile
Asset growth YoY
-5.98%
2th percentile
Loan growth YoY
3.08%
60th percentile
Share growth YoY
-8.42%
1th percentile

Operations

Members / branch
4,838
81th percentile
Assets / member
$7,533
3th percentile
Field of membership penetration
6.67%
51th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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