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
Call Report peers
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
Puerto Rico Employee Groups sits in the busiest band, 85-89, alongside 857 other credit unions.
85 Top 46% higher than 54% 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 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).
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).
- One place up in Puerto Rico, VAPR (#2) scores 98/100, 13 points higher; one place down, Puerto Rico (#4) scores 82/100, 3 points lower.
Puerto Rico Employee Groups: 2025Q4 → 2026Q1
Puerto Rico Employee Groups: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +10.8% from $2.9M (2025Q4) to $3.3M (2026Q1).
- Net-worth ratio shifted -1.43 pp (16.01% → 14.58%).
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
Puerto Rico Employee Groups gives up 15 points in total. Member Growth costs the most, 13.2 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
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
Similar health score
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
Frequently Asked Questions
Is Puerto Rico Employee Groups financially healthy?
Puerto Rico Employee Groups has a financial health score of 85/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,930 of 4,374 nationally on health and #3 of 4 in Puerto Rico. Its net worth ratio is 14.58% and its delinquency rate 0.67%.
How does Puerto Rico Employee Groups compare to other credit unions?
Puerto Rico Employee Groups scores 85/100, higher than 54% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (82.25% vs 63.60%). Its widest shortfall is net worth ratio (14.58% vs 19.06%).
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?
Puerto Rico Employee Groups 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 Employee Groups's net worth ratio of 14.58% 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.