Caribe Federal Credit Union (NCUA charter #7345) is based in San Juan, Puerto Rico. Its Q2 2026 call report shows $799.9M in total assets and $691.3M in member shares and deposits and 7 offices.
Caribe Federal Credit Union has a TellerScore of 82 out of 100 (strong) based on Q2 2026 data — higher than 82% of its 1,341 credit unions with $100 million – $1 billion. Among 4 credit unions headquartered in Puerto Rico, it ranks 1st. Earnings contributes the most (100/100, 3.54%); capital cushion contributes the least (70/100, 12.04%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 17 points (65 → 82), mostly because the earnings component improved by 48 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 71 |
| Q3 2024 | 75 |
| Q4 2024 | 64 |
| Q1 2025 | 59 |
| Q2 2025 | 65 |
| Q3 2025 | 71 |
| Q4 2025 | 75 |
| Q1 2026 | 81 |
| Q2 2026 | 82 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 10.98% |
| Q3 2024 | 11.47% |
| Q4 2024 | 10.39% |
| Q1 2025 | 9.74% |
| Q2 2025 | 10.10% |
| Q3 2025 | 10.75% |
| Q4 2025 | 10.77% |
| Q1 2026 | 11.29% |
| Q2 2026 | 12.04% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.83% |
| Q3 2024 | 0.94% |
| Q4 2024 | 1.07% |
| Q1 2025 | 0.60% |
| Q2 2025 | 0.59% |
| Q3 2025 | 0.53% |
| Q4 2025 | 0.53% |
| Q1 2026 | 0.35% |
| Q2 2026 | 0.49% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.35% |
| Q3 2024 | 1.84% |
| Q4 2024 | 0.97% |
| Q1 2025 | 0.02% |
| Q2 2025 | 0.80% |
| Q3 2025 | 1.34% |
| Q4 2025 | 1.74% |
| Q1 2026 | 3.56% |
| Q2 2026 | 3.54% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 82 | $799.9M | 12.04% | 0.49% | 3.54% | 88.1% |
| Q1 2026 | 81 | $789.8M | 11.29% | 0.35% | 3.56% | 88.6% |
| Q4 2025 | 75 | $763.0M | 10.77% | 0.53% | 1.74% | 91.4% |
| Q3 2025 | 71 | $750.6M | 10.75% | 0.53% | 1.34% | 92.7% |
| Q2 2025 | 65 | $754.6M | 10.10% | 0.59% | 0.80% | 91.7% |
| Q1 2025 | 59 | $752.1M | 9.74% | 0.60% | 0.02% | 85.7% |
| Q4 2024 | 64 | $728.4M | 10.39% | 1.07% | 0.97% | 85.0% |
| Q3 2024 | 75 | $699.5M | 11.47% | 0.94% | 1.84% | 87.5% |
| Q2 2024 | 71 | $686.0M | 10.98% | 0.83% | 1.35% | 86.7% |
1,341 peers · $100 million – $1 billion
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Puerto Rico
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Vapr Federal Credit UnionCredit union San Juan, PR | 76 out of 100, Strong | $315.6M | 11.0% | 0.24% | vs |
| Puerto Rico Federal Credit UnionCredit union Caparra, PR | 73 out of 100, Strong | $188.0M | 14.0% | 0.68% | vs |
Deposit insurance
Is my money safe at Caribe Federal Credit Union?
Yes. Caribe Federal Credit Union is a federally insured credit union (NCUA charter #7345). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 9.4% of shares and deposits ($64.9M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.
The net worth ratio is 12.04%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
7 locations
Branches
Caribe Federal Credit Union lists 7 offices in 5 cities. Most locations:
- Guaynabo, PR (2)
- San Juan, PR (2)
- Anasco, PR (1)
- Ponce, PR (1)
- Rio Grande, PR (1)
HMDA 2025
Mortgage lending
In 2025, Caribe Federal Credit Union reported 126 home-loan applications under HMDA (LEI 254900KMMJNL0IJNSM73): 81 originated ($12,345,000 total), 37 denied, and 6 withdrawn or closed by the applicant. Its denial rate on decided applications was 30.8%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Caribe Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 7345
- RSSD ID
- 203986
- Primary regulator
- NCUA
- Established
- 1951
- Headquarters
- 195 Calle Oneill, San Juan, PR 00918
- Employees
- 173
Quick answers
Caribe Federal Credit Union: common questions
Is Caribe Federal Credit Union NCUA insured?
Yes. Caribe Federal Credit Union is a federally insured credit union (NCUA charter #7345). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Caribe Federal Credit Union's TellerScore?
82 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Caribe Federal Credit Union have?
7 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near San Juan
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Puerto Rico Employee Groups Federal Credit UnionCredit union San Juan, PR | 81 out of 100, Strong | $3.4M | 14.3% | 0.55% | vs |
| Vapr Federal Credit UnionCredit union San Juan, PR | 76 out of 100, Strong | $315.6M | 11.0% | 0.24% | vs |
| Puerto Rico Federal Credit UnionCredit union Caparra, PR | 73 out of 100, Strong | $188.0M | 14.0% | 0.68% | vs |
| FirstBank Puerto RicoBank Santurce, PR | 72 out of 100, Strong | $19.2B | 11.5% | 0.90% | vs |
| Banesco USABank Miami, FL | 72 out of 100, Strong | $6.0B | 11.5% | 0.49% | vs |
| Nave BankBank San Juan, PR | 69 out of 100, Moderate | $555.0M | 13.8% | 0.00% | vs |