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Puerto Rico Credit Union Performance
How the 4 credit unions based in Puerto Rico are performing — size, membership, earnings, capital, growth and loan quality — measured against every U.S. credit union, straight from the public NCUA Call Report.
NCUA data through Q1 2026.
Puerto Rico's 4 credit unions serve 108,357 members and hold $1.29B in combined assets. The median Puerto Rico credit union earned a 0.86% return on average assets over the past year, compared with 0.66% for the median U.S. credit union. Median one-year membership growth among Puerto Rico credit unions was -0.33%, compared with -0.55% nationally. Median one-year asset growth was 4.31%, compared with 2.78% nationally. Figures are from the Q1 2026 NCUA Call Report.
Puerto Rico at a glance
Puerto Rico vs. the United States
System totals are the sum of every credit union based in Puerto Rico. The share column is Puerto Rico's portion of the national figure.
| Measure | Puerto Rico | United States | Puerto Rico share |
|---|---|---|---|
| Credit unions | 4 | 4,335 | 0.1% |
| Members | 108,357 | 147,031,529 | 0.1% |
| Residents (population) | 3,203,295 | 340,110,988 | 0.9% |
| Total assets | $1.29B | $2,507.50B | 0.1% |
| Total loans | $961.2M | $1,744.86B | 0.1% |
| Total shares & deposits | $1.13B | $2,143.21B | 0.1% |
| Total net worth | $148.3M | $282.23B | 0.1% |
| Mergers year-to-date | 0 | 27 | — |
Membership reach. Puerto Rico credit unions report about 3 memberships for every 100 residents, vs 43 nationally — a rough measure of how deeply credit unions reach the population. (This counts memberships, not unique people: one person can belong to more than one credit union, and large Puerto Rico credit unions serve members in other states, so it overstates true in-state penetration.)
The median Puerto Rico credit union
Ratios and growth describe the typical (median) credit union in each place — a robust, outlier-resistant figure — not a single giant institution. Each is computed with the same disclosed equations used across CUNinjas.
| Metric | Median Puerto Rico CU | Median U.S. CU |
|---|---|---|
| Return on assets | 0.86% | 0.66% |
| Net worth ratio | 12.26% | 12.44% |
| Loan-to-share ratio | 80.00% | 67.86% |
| Delinquency ratio | 0.38% | 0.63% |
| Net charge-off ratio | 1.60% | 0.33% |
| Cost of funds | 1.07% | 1.05% |
| Member growth (1 yr) | -0.33% | -0.55% |
| Asset growth (1 yr) | 4.31% | 2.78% |
| Loan growth (1 yr) | 5.59% | 0.63% |
| Share growth (1 yr) | 2.99% | 2.36% |
| Net worth growth (1 yr) | 9.24% | 5.57% |
Trends over time
The median Puerto Rico credit union (solid) vs. the median U.S. credit union (dashed), by year.
Return on assets 1.07% · 0.72%
— Puerto Rico ‑‑ U.S.
Net worth ratio 12.14% · 12.46%
— Puerto Rico ‑‑ U.S.
Loan-to-share ratio 83.43% · 69.70%
— Puerto Rico ‑‑ U.S.
Delinquency ratio 0.56% · 0.72%
— Puerto Rico ‑‑ U.S.
Asset growth (1 yr) 0.36% · 3.26%
— Puerto Rico ‑‑ U.S.
Member growth (1 yr) 2.56% · -0.52%
— Puerto Rico ‑‑ U.S.
Puerto Rico leaderboards
Largest by assets
- 1 Caribe Credit Union $789.8M
- 2 VAPR Credit Union $310.6M
- 3 Coop. Fed. De Empleados Telefonic Credit Union $187.2M
- 4 Banco De Santander Credit Union $3.3M
Highest return on assets
- 1 Caribe Credit Union 3.65%
- 2 VAPR Credit Union 1.18%
- 3 Coop. Fed. De Empleados Telefonic Credit Union 0.44%
Fastest-growing (organic)
- 1 VAPR Credit Union 8.29%
- 2 Caribe Credit Union 5.01%
Leaderboards rank credit unions above $50M in assets on positive measures only (return on assets and organic asset growth, excluding merger-driven jumps); the largest board has no size floor.
Method. Compiled from public NCUA 5300 Call Report data (Q1 2026), covering federally insured credit unions headquartered in Puerto Rico that filed for the quarter. System totals are exact sums; ratios and growth are the median credit union in each place, computed through the same disclosed equations used across CUNinjas (a credit union that branches across state lines is counted only in its home state). Cells for a group of fewer than three credit unions are withheld. Population figures are U.S. Census Bureau Vintage 2024 estimates. Not affiliated with the NCUA.