Federal credit union · Caparra, Puerto Rico · NCUA charter #13939
Puerto Rico
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $182.2M
- Total assets
- 24,188
- Members
- 13.2%
- Net-worth ratio
Puerto Rico scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $182.2M; members 24,188; net-worth ratio 13.22%; health rank #2,424 of 4,374; healthier than 43rd of scored peers.
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NCUA 5300 Call Report Masthead
#2,424 of 4,374 health · 2025Q4Puerto Rico · health 82/100 · $182.2M · 2025Q4
Call Report peers
Puerto Rico in the assets neighbourhood
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Puerto Rico vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Puerto Rico sits in 80-84 with 767 others.
82 43rd percentile higher than 43% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Puerto Rico: Call Report deltas vs peers
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +12.40 pp (84.60% vs 72.20%).
- Largest lag: Return on Assets at -0.30% vs peer 0.62% (-0.92 pp).
Puerto Rico in Puerto Rico
- Health composite ranks #4 of 4 among scored Puerto Rico credit unions.
- Assets rank #3 of 4 inside Puerto Rico ($182.2M reported).
- Member book place in Puerto Rico: #2 of 4.
- No scored Puerto Rico credit union ranks lower; the next one up, Puerto Rico Employee Groups (#3) scores 85/100, 3 points higher.
How Puerto Rico's 5300 filing moved
Puerto Rico: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.8% from $182.2M (2025Q4) to $187.2M (2026Q1).
- Net-worth ratio shifted -0.24 pp (13.46% → 13.22%).
This credit union's 13.22% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 82/100 score is built
Puerto Rico gives up 18 points in total. Return on Assets costs the most, 13.2 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.2 pts
- Return on Assets 1.8 pts
- Member Growth 11.0 pts
- Loan-to-Share Ratio 15.0 pts
Call Report ratios for Puerto Rico
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.22% | +1.11 pp |
| Delinquency Rate | 0.58% | -0.31 pp |
| Return on Assets | -0.30% | -0.92 pp |
| Member Growth | 1.64% | - |
| Loan-to-Share Ratio | 84.60% | +12.40 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - Puerto Rico
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $187.2M | - |
| 2025Q4 | $182.2M | 24,188 |
| 2024Q4 | $193.8M | 23,798 |
| 2023Q4 | $218.5M | 23,617 |
Credit Union Details
- Charter Number
- 13939
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Puerto Rico
- City
- Caparra
- Data Quarter
- 2025Q4
Branch Locations (5)
Per its most recent NCUA branch filing, Puerto Rico runs 5 offices in 4 different cities.
| Office | City |
|---|---|
| PR Federal Credit Union (Main Office) | Caparra, PR |
| PRFCU Aguadilla Branch | Aguadilla, PR |
| Puerto Rico Federal Credit Union Aguadilla | Aguadilla, PR |
| PRFCU Manati Branch | Manati, PR |
| PRFCU Quebradillas Branch | Quebradillas, PR |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Puerto Rico
A look at other Puerto Rico credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for Puerto Rico
Using this data
- Puerto Rico ranks #2,424 of 4,374 nationally on financial health and #4 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 Puerto Rico financially healthy?
Puerto Rico has a financial health score of 82/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,424 of 4,374 nationally on health and #4 of 4 in Puerto Rico. Its net worth ratio is 13.22% and its delinquency rate 0.58%.
How does Puerto Rico compare to other credit unions?
Puerto Rico scores 82/100, higher than 43% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (84.60% vs 72.20%). Its widest shortfall is return on assets (-0.30% vs 0.62%).
How can I join Puerto Rico?
Puerto Rico operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Puerto Rico directly for the exact boundaries and application steps.
Is my money safe at Puerto Rico?
Puerto Rico 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. Puerto Rico's net worth ratio of 13.22% 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.