# CARIBE
San Juan, PR · NCUA charter 7345 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/caribe-7345

Who the members are: federal charter, multiple common bond, organized 1951, low-income designated, minority depository institution. 63,943 members of 119,816 potential (53.4% of the field); checking penetration 9% (share draft accounts per 100 members); loans per 100 members 66.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $789.8M |
| Members | 63,943 (4.4% YoY) |
| Full-time staff | 169 |
| Net worth | $89.2M |
| Net worth ratio | 11.3% (p62 of band) |
| ROA (annualized) | 3.56% (p100 of band) |
| Total delinquency | 0.35% (p26 of band) |
| Net charge-offs (annualized) | 1.63% (p96 of band) |
| Loans / shares | 89% (p73 of band) |
| Cash / assets | 1.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.37% (p99 of band) |
| Operating expense / assets | 2.22% (p7 of band) |
| Vehicles % of loans | 49% (p88 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p7 of band) |
| Vehicle delinquency | 0.23% (p16 of band) |
| Vehicle NCO | 1.46% (p74 of band) |
| Repossessed % of vehicle book | 0.30% (p89 of band) |
| Real estate % of loans | 7% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 38% |
| Commercial % of net worth | 17% |
| Core shares % of member funds | 62% |
| Certificates % of member funds | 38% |
| Average share balance | $8,145 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 66% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $14,406 |
| Loans granted, annualized | $184.1M |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco_high`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | net worth falling |  |
| 2018-03 | 2 | delinquency rising |  |
| 2018-06 | 1 |  | net worth falling |
| 2018-09 | 0 |  | delinquency rising |
| 2018-12 | 0 |  |  |
| 2019-03 | 3 | net worth falling, delinquency 2x band, delinquency rising |  |
| 2019-06 | 2 |  | net worth falling |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 1 |  | delinquency rising |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | net worth falling |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | margin squeeze |  |
| 2021-06 | 1 |  | delinquency 2x band, margin squeeze |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | net worth falling |
| 2022-06 | 1 | loans>95% of shares |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 3 | delinquency rising, charge-offs p90 |  |
| 2023-03 | 5 | net worth falling, delinquency 2x band |  |
| 2023-06 | 4 |  | loans>95% of shares |
| 2023-09 | 4 |  |  |
| 2023-12 | 1 |  | delinquency rising, net worth falling, delinquency 2x band |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | net worth falling |  |
| 2025-06 | 1 |  | net worth falling |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-02-24 [Caribe Federal Credit Union to relocate 3 branches in 2026 - News is My Business](https://news.google.com/rss/articles/CBMikgFBVV95cUxONzdTU25oNnVQSEhTZkRNLThUdXI1RWZ0cmRKVWFmdXlHZVdid081WXRFOTJ3Qmxwb2I0MXdNTTNTaFVWdmEzV2tzZmkxTDRrOU9JVnVHdGg0eW91azZGM0F2QjZQdVV3c0ZrVFhDZm5pQVM3Mmhjc3d4MGNsN2pNV3VPX29mSWJrOWZIQzVtUE1xdw?oc=5) · News is My Business
- 2020-08-31 [PenFed Credit Union Opens New Financial Center at Plaza Del Caribe Mall in Ponce, Puerto Rico - PR Newswire](https://news.google.com/rss/articles/CBMi4gFBVV95cUxOZERRMXRtcngzV0pwSGJ6T0RjMHg5a2pFQTVqN1lzQjhYZmN4UExYRHNkbjhZaFR3aDFNVVpVXzk1WENaVzExeFlOTkcwbi1NdEhMeEZPSi01YmktX25RNUgzNDZaQ0VUX28zS0J4SFROdUdibEVDbmZ2dndUVkU1Y09LUGZ0Q3NadHQ5WndJS2pPZG01cmliMHRfUmlOajJuTmVEZjM4V2plVktVUkQtQVlfSFhpYWdZdDhqMFdSZ0dxVGFWZ29qM2s4Mi1ORy1MLTZKaWlyQUowN1h4QmVROXdn?oc=5) · PR Newswire
- 2025-07-17 [PenFed Continues Adding Branches in Puerto Rico - CUTimes](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNaXNoY19GbWtnbWwyUXdaMnJRaWJ3YmFMcVV1REMtN2x6c012cDljRE5MRlpuMVAwM2JoLXlVUDFESVdNbDNFckV1aFlXWVlyd2R5X2RFdEpqMF9kOFlCeWJ3OEx4MGRBZEJUcjRIRnZCT1JFbEV1c09GdjFBUWtMdzZDUGVXbE5Eenhn?oc=5) · CUTimes
- 2024-12-31 [54 Hispanic American-Owned Banks and Credit Unions, Sorted by State - businessinsider.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxNNmt0RG9HN2paQWIzZFhYT1ZrSzJMMFB4RXpMdnRZRThiZUFoLUlDVWJUWmQwYVBTZ3NQNU9JRVJHcG9QZUZuTklnUlc1MzFncHhidzRmc0p6RFRXYm43WlUzT2RvckFKUGNiNEpIU1hzbkozLWtVX2p1V1ZCNVZiNmN4T2lKMXpGU3RVTkpGbWhsa0E0SXZ4WlBUMnVhTFAzcVE?oc=5) · businessinsider.com
- 2024-09-24 [Caribe Federal Credit Union expands with Universal Coop merger - News is My Business](https://news.google.com/rss/articles/CBMilwFBVV95cUxNLVRYb3JIMjc0V2pmNTZpWmRBVU83SG9UYWlndXpjWVl1aTdxRUJHODJTOUNCR2VLMXowSmJ0ZjhVNWdBMG0wUUQxRGdZT2w1MGkzdExUV0ZhZm9GMTBpX29FelZ3SWxzTV9vUkw1TE1zSFRydUpQLWhGN01sQTN1VlY3OFFBUk12alRRVHlwRzR5VHBFenhV?oc=5) · News is My Business
- 2022-11-02 [ICE Removes List of Employers Participating in IMAGE Program - Center for Immigration Studies](https://news.google.com/rss/articles/CBMiggFBVV95cUxNbTAwNjhkb094MWFxeGUtZlQxZ0ZmTDdjSm4zYlVMNXFPSGUybGZoNndESHlHOFJCcS12dUgyVE5XbDQyanlXdmljZjVGNmdDdkxLS1ZOdS10bFlKaVBIcWFka2FLcEx4RkRGaFFmMWxXV0Z2ZGVyR191U3N6R25yb2hB?oc=5) · Center for Immigration Studies
- 2024-12-31 [Best Savings Accounts With Debit Cards: Convenient Access to Your Funds - businessinsider.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxQVmUxbThudjB5dkdkNWkxZ2wtT0Z6eTRONGRpOHVEZkd4QWlpdG5Jcy1rVXpBRy1fV1p4Vk9fQVlUeWFab1ZVai02azFldlNHZzE3dWk1VDhWTXhBTXV2UHVxaFZCZWc4TjJmRW5mOWpWQU1TNHU5aUdaM3Y3OFdxSzh5TnA3NWdrQ3JtdzlfcTVxUQ?oc=5) · businessinsider.com
- 2019-08-20 [P.R. Federal Credit Union becomes 1st on island to get U.S. Treasury certification - News is My Business](https://news.google.com/rss/articles/CBMirwFBVV95cUxOTHZyU0l1VV8wZzlLWWY3bXRMQUdOQUxSOFRDWDhrWk11QXZreUVoVHI4R2pyaDRTc29CUkRnTHJpV19pdUZvbzc2QnhJcmM3S0Nycmk3cEQ1djBkYzVJV2tReWg5eDN4eHZFZWgtdGlDcGZNSTNwM0lCZEc4bms4R1o0S3ctSVNJdWdrNXZPX3lfd2hjaDFJUEM3a1Z2TVlIM2tDejZjUFh4RnZhdEtN?oc=5) · News is My Business

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=7345 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/49.json (key "7345", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=7345
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide