Puerto Rico Federal Credit Union (NCUA charter #13939) is based in Caparra, Puerto Rico. Its Q2 2026 call report shows $188.0M in total assets and $164.0M in member shares and deposits and 4 offices.
Puerto Rico Federal Credit Union has a TellerScore of 73 out of 100 (strong) based on Q2 2026 data — higher than 60% of its 1,341 credit unions with $100 million – $1 billion. Among 4 credit unions headquartered in Puerto Rico, it ranks 4th. Problem-loan coverage contributes the most (92/100, 4.0%); earnings contributes the least (35/100, 0.37%).
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 2 points (71 → 73), mostly because the earnings component improved by 14 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 71 |
| Q3 2024 | 68 |
| Q4 2024 | 69 |
| Q1 2025 | 72 |
| Q2 2025 | 71 |
| Q3 2025 | 68 |
| Q4 2025 | 72 |
| Q1 2026 | 75 |
| Q2 2026 | 73 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 12.42% |
| Q3 2024 | 12.32% |
| Q4 2024 | 12.50% |
| Q1 2025 | 12.54% |
| Q2 2025 | 13.01% |
| Q3 2025 | 13.09% |
| Q4 2025 | 13.46% |
| Q1 2026 | 13.22% |
| Q2 2026 | 14.01% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.22% |
| Q3 2024 | 0.29% |
| Q4 2024 | 0.35% |
| Q1 2025 | 0.21% |
| Q2 2025 | 0.44% |
| Q3 2025 | 0.70% |
| Q4 2025 | 0.58% |
| Q1 2026 | 0.41% |
| Q2 2026 | 0.68% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.06% |
| Q3 2024 | -0.32% |
| Q4 2024 | -0.28% |
| Q1 2025 | 0.04% |
| Q2 2025 | 0.02% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.16% |
| Q1 2026 | 0.45% |
| Q2 2026 | 0.37% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 73 | $188.0M | 14.01% | 0.68% | 0.37% | 87.3% |
| Q1 2026 | 75 | $187.2M | 13.22% | 0.41% | 0.45% | 83.8% |
| Q4 2025 | 72 | $182.2M | 13.46% | 0.58% | 0.16% | 84.6% |
| Q3 2025 | 68 | $185.1M | 13.09% | 0.70% | 0.00% | 82.2% |
| Q2 2025 | 71 | $186.4M | 13.01% | 0.44% | 0.02% | 81.0% |
| Q1 2025 | 72 | $193.3M | 12.54% | 0.21% | 0.04% | 76.5% |
| Q4 2024 | 69 | $193.8M | 12.50% | 0.35% | -0.28% | 75.4% |
| Q3 2024 | 68 | $197.3M | 12.32% | 0.29% | -0.32% | 75.2% |
| Q2 2024 | 71 | $199.1M | 12.42% | 0.22% | -0.06% | 76.0% |
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 |
| Caribe Federal Credit UnionCredit union San Juan, PR | 82 out of 100, Strong | $799.9M | 12.0% | 0.49% | vs |
Deposit insurance
Is my money safe at Puerto Rico Federal Credit Union?
Yes. Puerto Rico Federal Credit Union is a federally insured credit union (NCUA charter #13939). 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 5.5% of shares and deposits ($9.0M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.
The net worth ratio is 14.01%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
4 locations
Branches
Puerto Rico Federal Credit Union lists 4 offices in 3 cities. Most locations:
- Aguadilla, PR (2)
- Caparra, PR (1)
- Quebradillas, PR (1)
Identity & history
Profile
- Legal name
- Puerto Rico Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 13939
- RSSD ID
- 506584
- Primary regulator
- NCUA
- Established
- 1960
- Headquarters
- 55 Resolucion Street,Esq., Roosevel, Caparra, PR 00920
- Employees
- 39
Quick answers
Puerto Rico Federal Credit Union: common questions
Is Puerto Rico Federal Credit Union NCUA insured?
Yes. Puerto Rico Federal Credit Union is a federally insured credit union (NCUA charter #13939). 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 Puerto Rico Federal Credit Union's TellerScore?
73 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 Puerto Rico Federal Credit Union have?
4 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Caparra
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Caribe Federal Credit UnionCredit union San Juan, PR | 82 out of 100, Strong | $799.9M | 12.0% | 0.49% | vs |
| 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 |
| 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 |