Federal credit union · San Juan, Puerto Rico · NCUA charter #7345
CARIBE
Health score 99/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 99
- Health / 100
- $763.0M
- Total assets
- 64,367
- Members
- 11.3%
- Net-worth ratio
CARIBE scores 99/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $763.0M; members 64,367; net-worth ratio 11.29%; health rank #59 of 4,374; healthier than 98th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#59 of 4,374 health · 2025Q4CARIBE · health 99/100 · $763.0M · 2025Q4
- ROA 99/100
- ASSETS 11.3%
- MEM 0.53%
- RANK 0.93%
- PHOTO $763.0M
- BOOK 64,367
- CHARTER #59/4,374
- NCUSIF Department of Commerce
- CAMELS 7345
CARIBE in the assets neighbourhood
CARIBE's $763.0M assets sit next to Department of Commerce ($764.6M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
CARIBE vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
99 Top 2% higher than 98% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
CARIBE - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #7345, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for CARIBE
- Largest favorable gap: Loan-to-Share Ratio at 91.42% vs peer 83.90% (+7.52 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
CARIBE: in-state Call Report ranks
- In Puerto Rico, health place is #1 of 4 on the same NCUA-ratio sort used nationally.
- Assets rank #1 of 4 inside Puerto Rico ($763.0M reported).
- Member book place in Puerto Rico: #1 of 4.
In-state ordinals use the live credit_unions table for PR only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
CARIBE Call Report trajectory
CARIBE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.5% from $763.0M (2025Q4) to $789.8M (2026Q1).
- Net-worth ratio shifted +0.52 pp (10.77% → 11.29%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 11.29%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 99/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 99.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.7 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 14.3 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.29% | +0.11 pp |
| Delinquency Rate | 0.53% | -0.34 pp |
| Return on Assets | 0.93% | +0.42 pp |
| Member Growth | 8.10% | - |
| Loan-to-Share Ratio | 91.42% | +7.52 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
CARIBE quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $789.8M | - |
| 2025Q4 | $763.0M | 64,367 |
| 2024Q4 | $728.4M | 59,546 |
| 2023Q4 | $668.1M | 53,696 |
Credit Union Details
- Charter Number
- 7345
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- Over $500M
- State
- Puerto Rico
- City
- San Juan
- Data Quarter
- 2025Q4
Branch Locations (7)
The NCUA branch filing lists 7 physical offices for CARIBE, spread across 5 cities.
| Office | City |
|---|---|
| Guaynabo Las Cumbres -Admin- (Main Office) | Guaynabo, PR |
| Anasco | Anasco, PR |
| Guaynabo -Las Cumbres Branch | Guaynabo, PR |
| Ponce Branch | Ponce, PR |
| Rio Grande | Rio Grande, PR |
| MAIN | San Juan, PR |
| FEDE | San Juan, PR |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Puerto Rico
Other federally-insured credit unions in Puerto Rico, closest first by peer group and asset size.
CARIBE nationwide neighbourhoods
Cross-state asset and health neighbours for CARIBE - kept outside Puerto Rico; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($763.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (99/100 here).
Using this data
- CARIBE ranks #59 of 4,374 nationally on financial health and #1 of 4 in PR -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- VAPR is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with VAPR
- Rates and health both vary by institution, not just by state -- see how Puerto Rico credit unions compare overall before assuming this one is typical. Puerto Rico state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is CARIBE financially healthy?
A 11.29% net worth ratio and a 0.53% delinquency rate feed into CARIBE's financial health score of 99/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #59 of 4,374; by total assets it ranks #574 of 4,374 nationally (same basis as /rankings/largest); and #1 of 4 within Puerto Rico. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does CARIBE compare to other credit unions?
PlainCU's health composite puts CARIBE at 99/100, compared to a peer group average for Over $500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join CARIBE?
CARIBE serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact CARIBE directly for the current list of qualifying groups.
Is my money safe at CARIBE?
Federal credit unions like CARIBE are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. CARIBE's net worth ratio of 11.29% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does CARIBE offer compared to banks?
Credit unions like CARIBE are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact CARIBE directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.