Development
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10). A current level of 6.9 percent of nonperforming loans to core capital combined with 6.4 percent from a year earlier contributes to the Good asset quality (6.6).
Other Rating Factors:
Operating profits as a percentage of assets at 3.2%, coupled with a return on assets of 1.3 has resulted in Excellent (8.6) profitability. Good current capitalization (6.7 on a scale of 0 to 10) based on a net capital to total assets of 9.2 and a net worth ratio of 10.7.
Asset Mix:
Consumer loans (69%), securities (14%), home mtgs (4%), other (13%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
195 Calle Oneill
San Juan, PR 00918
San Juan, PR 00918
Phone Number
(787) 474-5151
NCUA Charter Number
Website
Largest Competitors
Guaynabo, PR
Caparra, PR
Rio Grande, PR
Puerto Nuevo, PR