Federal credit union · SAN JUAN, Puerto Rico · NCUA charter #12771
Puerto Rico Employee Groups
Health score 85/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $2.9M
- Total assets
- 858
- Members
- 16.0%
- Net-worth ratio
Puerto Rico Employee Groups - Share Insurance Coverage
Charter #12771's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Puerto Rico Employee Groups - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)93
- Earnings (ROA)100
- Member growth12
- Liquidity (loan-to-share)100
Weighted composite: 85/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 16.01%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 16.01% | 30% |
| Delinquency Rate | 0.67% | 25% |
| Return on Assets | 0.88% | 15% |
| Member Growth | -4.03% | 15% |
| Loan-to-Share Ratio | 82.25% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $2.9M | 858 |
| 2024Q4 | $3.1M | 894 |
| 2023Q4 | $3.1M | 945 |
Credit Union Details
- Charter Number
- 12771
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $2M–$10M
- State
- Puerto Rico
- City
- SAN JUAN
- Data Quarter
- 2025Q4
What This Data Says About Puerto Rico Employee Groups
Headquartered in SAN JUAN, Puerto Rico, Puerto Rico Employee Groups is a federal credit union with 858 members, $2.9M in total assets, and $2.0M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 85/100 (Excellent), driven in part by a net worth ratio of 16.01% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #12771 and reports within peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
Two more numbers round out the picture: a 0.67% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers - and a 82.25% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.88% on net income of $26K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -4.03%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other/Community) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Puerto Rico
More federally-insured credit unions based in Puerto Rico, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Puerto Rico Employee Groups financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Puerto Rico Employee Groups carries a financial health score of 85/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 16.01% net worth ratio and a 0.67% delinquency rate.
How does Puerto Rico Employee Groups compare to other credit unions?
PlainCU's health composite puts Puerto Rico Employee Groups at 85/100, compared to a peer group average for $2M–$10M 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 Puerto Rico Employee Groups?
Puerto Rico Employee Groups 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 Employee Groups directly for the exact boundaries and application steps.
Is my money safe at Puerto Rico Employee Groups?
Federal credit unions like Puerto Rico Employee Groups 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 Employee Groups's net worth ratio of 16.01% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Puerto Rico Employee Groups offer compared to banks?
Credit unions like Puerto Rico Employee Groups 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 Employee Groups directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.