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Puerto Rico Credit Union’s Dashboard

This dashboard is a tool that allows you to evaluate the prevailing market conditions for credit unions in Puerto Rico. It monitors the performance of key economic indicators that affect this industry, as well as its financial performance. In addition, it shows the geographic footprint of the market served by the cooperatives, with socioeconomic indicators.


You can navigate between the following sections:

• Economic environment
• Asset quality
• Financial performance dashboard
• Performance indicators (CAEL)
• Market area



Recent economic data continue showing improvements in the island’s economy after the sharp disruption caused by the coronavirus lockdown.


 The Nonfarm payroll employment reached 930,100 in november 2022.


 The sectors that continue to increase are: recreation and accomodation; manufacturing; professional and business services; educational and health services; transportation and utilities; finance; and retail trade.


 The unemployment rate reflected an annual reduction of 110 basis points.


 The inflation rate increased 6.3% annually in November 2022.


 Retail sales reached $3.157 billion during October 2022.


 During November 2022, 306 bankruptcies were reported.

Stay up to date on the latest indicators about employment, manufacturing activity, home sales, auto sales, among others

Guía de herramientas para 

la adaptación comunitaria al cambio climático

Puerto Rico Banking Stability Index

The index continued improving as of the third quarter of 2021. The index increased from 0.47 in the third quarter of 2020 to 0.60 in the third quarter of 2021.


  The strengthening in the industry liquidity influenced the positive performance of the index in the third quarter of 2021. The loan-to-deposit ratio improved from 46.0% in the second quarter of 2021 to 45.0% in the third quarter of 2021.


The industry’s profitability remained stable, with a ROA of 1.38% in the third quarter of 2021. Net income increased $318 million quarter-over-quarter to $923 million in the third quarter.


  The industry credit risk profile remained stable with the nonperforming loans to total loans and leases ratio (i.e., NPL) trending lower to previous quarters.


The equity capital to total assets declined year-over-year from 9.05% in the third quarter of 2020 to 7.77% in the third quarter of 2021, it remained stable compared to 7.70% in the previous quarter.


 The solvency of the industry remains strong with the equity capital to total assets at 8.81% in the first quarter of 2021, although lower than 11.74% in the first quarter of 2020.

Financial Stability Index for the Credit Union Industry in Puerto Rico

  The index increased from 0.38 in the fourth quarter 2019 to 0.48 in the second quarter 2020 and to 0.70 in the fourth quarter.



 Total deposits rose 20% year-on-year to $10.3 billion in the fourth quarter 2020, while loan balances increased 0.21% year-on-year to $5.2 billion, leading up to an improvement in the loan to deposit ratio from 87.63% in the fourth quarter 2019 to 71.27% in the fourth quarter 2020. The trend in asset quality also improved with the nonperforming loans ratio falling from 3.18% to 2.71% during the period. 








José J. Villamil, B.Sc.


Founder and Chief Executive Officer

Graham Castillo Pagán, JD


President and Chief Operating Officer

Lcda. Anitza M. Cox, MEd.


Social Analysis and Policy Division

Carlos Torija, MS.


Statistics Division