Side-by-side · Q2 2026 data
Banesco USA vs Caribe Federal Credit Union
Metric by metric
| Measure | Banesco USA | Caribe Federal Credit Union |
|---|---|---|
| TellerScore | 72 | 82 (stronger) |
| Capital cushion | 65 | 70 (stronger) |
| Loan quality | 84 | 84 |
| Earnings | 79 | 100 (stronger) |
| Funding & liquidity | 44 | 72 (stronger) |
| Problem-loan coverage | 94 (stronger) | 92 |
| Peer percentile | 66th | 82nd |
| Total assets | $6.0B | $799.9M |
| Deposits / shares | $5.2B | $691.3M |
| Capital ratio | 11.46% | 12.04% (stronger) |
| Problem loans | 0.49% | 0.49% (stronger) |
| Net charge-offs | 0.10% (stronger) | 1.44% |
| Return on assets | 1.47% | 3.54% (stronger) |
| Loans ÷ deposits | 76.0% (stronger) | 88.1% |
| Uninsured deposits | 51.6% | 9.4% (stronger) |
| Offices | 6 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 30.8% |
Caribe Federal Credit Union has the higher TellerScore (82 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Banesco USA leads on 2 and Caribe Federal Credit Union on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.