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.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,424 of 4,374 health · 2025Q4Puerto Rico · health 82/100 · $182.2M · 2025Q4
- DELQ 82/100
- ROA 13.2%
- ASSETS 0.58%
- MEM -0.30%
- RANK $182.2M
- PHOTO 24,188
- BOOK #2,424/4,374
- CHARTER Safe Harbor
- NCUSIF 13939
Call Report peers
Puerto Rico in the assets neighbourhood
Puerto Rico's $182.2M assets sit next to Safe Harbor ($182.2M) 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.
Puerto Rico 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
82 43rd percentile higher than 43% 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
Puerto Rico - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #13939 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for PR only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Puerto Rico's 5300 filing moved
Puerto Rico: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.8% from $182.2M (2025Q4) to $187.2M (2026Q1).
- Net-worth ratio shifted -0.24 pp (13.46% → 13.22%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 82.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Cross-state asset and health neighbours for Puerto Rico - kept outside Puerto Rico; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($182.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (82/100 here).
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
- 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 Puerto Rico financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Puerto Rico carries a financial health score of 82/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,424 of 4,374; by total assets it ranks #1,346 of 4,374 nationally (same basis as /rankings/largest); and #3 of 4 within Puerto Rico. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 13.22% net worth ratio and a 0.58% delinquency rate.
How does Puerto Rico compare to other credit unions?
Five weighted metrics from NCUA filings produce Puerto Rico's 82/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 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?
Federal credit unions like Puerto Rico 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. Puerto Rico's net worth ratio of 13.22% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Puerto Rico offer compared to banks?
Credit unions like Puerto Rico 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 Puerto Rico 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.