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
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
The busiest band is 85-89 (858 credit unions); CARIBE sits in 95-99 with 391 others.
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
Peer-gap read for CARIBE
- Largest favorable gap: Loan-to-Share Ratio at 91.42% vs peer 83.90% (+7.52 pp).
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.
- No Puerto Rico credit union scores higher; the runner-up, VAPR (#2) scores 98/100, 1 point lower.
CARIBE Call Report trajectory
CARIBE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.5% from $763.0M (2025Q4) to $789.8M (2026Q1).
- Net-worth ratio shifted +0.52 pp (10.77% → 11.29%).
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
CARIBE gives up 1 points in total. Loan-to-Share Ratio costs the most, 0.6 of its 15; Net Worth Ratio and Return on Assets and Member Growth score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is CARIBE financially healthy?
On its 2025Q4 NCUA 5300 filing, CARIBE scores 99/100 (Excellent), with a 11.29% net worth ratio and 0.53% of loans delinquent. It ranks #59 of 4,374 nationally on health and #1 of 4 in Puerto Rico.
How does CARIBE compare to other credit unions?
CARIBE scores 99/100, higher than 98% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (91.42% vs 83.90%).
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?
CARIBE is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.