Side-by-side · Q2 2026 data
Banesco USA vs Puerto Rico Federal Credit Union
Metric by metric
| Measure | Banesco USA | Puerto Rico Federal Credit Union |
|---|---|---|
| TellerScore | 72 | 73 (stronger) |
| Capital cushion | 65 | 90 (stronger) |
| Loan quality | 84 (stronger) | 77 |
| Earnings | 79 (stronger) | 35 |
| Funding & liquidity | 44 | 73 (stronger) |
| Problem-loan coverage | 94 (stronger) | 92 |
| Peer percentile | 66th | 60th |
| Total assets | $6.0B | $188.0M |
| Deposits / shares | $5.2B | $164.0M |
| Capital ratio | 11.46% | 14.01% (stronger) |
| Problem loans | 0.49% (stronger) | 0.68% |
| Net charge-offs | 0.10% (stronger) | 1.02% |
| Return on assets | 1.47% (stronger) | 0.37% |
| Loans ÷ deposits | 76.0% (stronger) | 87.3% |
| Uninsured deposits | 51.6% | 5.5% (stronger) |
| Offices | 6 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Puerto Rico Federal Credit Union has the higher TellerScore (73 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Banesco USA leads on 4 and Puerto Rico Federal Credit Union on 3. 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.