Puerto Rico Credit Union

Puerto Rico Credit Union is headquartered in Caparra and is the 3^rd largest credit union in the state of PR. It is also the 1,330^th largest credit union in the nation. It was established in 1960 and as of December of 2011, it had grown to 29 employees and 19,887 members. Puerto Rico Credit Union's savings rates are 3X the national average, and it boasts a 5-star health rating.

Puerto Rico Credit Union Checking Account Rates

Puerto Rico Credit Union Savings Account Rates

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Puerto Rico Credit Union IRA Rates

Data for Q4 2011

Institution Statistics PUERTO RICO NCUA # 13939 BankRate Report View Year Chartered 1960 Employees 29 Primary Regulator Assets and Liabilities Assets $111.09 million Loans $61.56 million Deposits $90.03 million Equity Capital $20.12 million Loan Loss Allowance $1.43 million Unbacked Noncurrent Loans $1.01 million Historic Data - December 2010 Assets $110.76 million Equity Capital $19.36 million Loan Loss Allowance $1.56 million Unbacked Noncurrent Loans $1.18 million Profit Margin - Quarterly Net Interest Margin 4.99% Return on Assets 0.42% Return on Equity 2.34% Interest Income $4.60 million Non-Interest Income $574,000

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Puerto Rico Credit Union had $1.01 million in non-current loans and owned real-estate with $21.55 million in equity and loan loss allowances on hand to cover it. This gives Puerto Rico Credit Union a Texas Ratio of 4.70% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Puerto Rico Credit Union decreased slightly from 5.63% as of December 31, 2010 to 4.70% as of December 31, 2011, resulting in a positive change of 16.60%.This indicates that the balance sheet and financial strength for Puerto Rico Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Puerto Rico Credit Union has decreased its total deposits by $-754,000, resulting in -0.83% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Puerto Rico Credit Union has shown is average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Puerto Rico Credit Union has $111.09 million in assets with $21.55 million in equity, resulting in a capitalization level of 19.40%, which is excellent.

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