Federal credit union · SAN JUAN, Puerto Rico · NCUA charter #12771
Puerto Rico Employee Groups
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $2.9M
- Total assets
- 858
- Members
- 14.6%
- Net-worth ratio
Puerto Rico Employee Groups scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.9M; members 858; net-worth ratio 14.58%; health rank #1,930 of 4,374; healthier than 54th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,930 of 4,374 health · 2025Q4Puerto Rico Employee Groups · health 85/100 · $2.9M · 2025Q4
- CHARTER 85/100
- NCUSIF 14.6%
- CAMELS 0.67%
- HEALTH 0.88%
- NW $2.9M
- DELQ 858
- ROA #1,930/4,374
- ASSETS n/a
- MEM 12771
Call Report peers
Puerto Rico Employee Groups carries $2.9M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Puerto Rico Employee Groups 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
85 Top 46% higher than 54% 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 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 vs $2M–$10M peers
- Largest favorable gap: Loan-to-Share Ratio at 82.25% vs peer 63.60% (+18.65 pp).
- Net Worth Ratio trails the peer set - 14.58% here, 19.06% peer average (-4.48 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Puerto Rico Employee Groups: in-state Call Report ranks
- Puerto Rico health ordinal: #3 of 4.
- Puerto Rico assets place: #4 of 4.
- Membership ranks #4 of 4 among Puerto Rico CUs with a reported count (858 members).
In-state ordinals use the live credit_unions table for PR only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Puerto Rico Employee Groups: 2025Q4 → 2026Q1
Puerto Rico Employee Groups: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +10.8% from $2.9M (2025Q4) to $3.3M (2026Q1).
- Net-worth ratio shifted -1.43 pp (16.01% → 14.58%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 14.58%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 85/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 85.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.3 pts
- Return on Assets 15.0 pts
- Member Growth 1.8 pts
- Loan-to-Share Ratio 14.9 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.58% | -4.48 pp |
| Delinquency Rate | 0.67% | -1.14 pp |
| Return on Assets | 0.88% | +0.43 pp |
| Member Growth | -4.03% | - |
| Loan-to-Share Ratio | 82.25% | +18.65 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Puerto Rico Employee Groups filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $3.3M | - |
| 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
Branch Location
Puerto Rico Employee Groups operates a single office in PUERTO NUEVO, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| P.R. Employee Groups FCU (Main Office) | PUERTO NUEVO, PR |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Puerto Rico
More federally-insured credit unions based in Puerto Rico, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Puerto Rico Employee Groups - kept outside Puerto Rico; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (85/100 here).
Using this data
- Puerto Rico Employee Groups ranks #1,930 of 4,374 nationally on financial health and #3 of 4 in PR -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Puerto Rico is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Puerto Rico
- 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 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 the national health ranking (same basis as /rankings/healthiest), it sits at #1,930 of 4,374; by total assets it ranks #4,052 of 4,374 nationally (same basis as /rankings/largest); and #4 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 14.58% 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 14.58% 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.
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.