Unverified listing What this means
The Lender Report built this page from public records. Puerto Rico Credit Union has not reviewed it. Every lender's page starts this way, and it says nothing about Puerto Rico Credit Union itself. Each figure shows its source and date. Work at Puerto Rico Credit Union? You can claim this page for free.
Credit union, Caparra, PR
Puerto Rico Credit Union
A credit union based in Caparra, PR. Its commercial book is led by owner-occupied CRE and non-owner-occupied CRE. Public files show recent 1-4 unit investor and real-estate-secured commercial loans it made.
- Kind
- Credit union
- Data as of
- June 30, 2026
- Page last changed
- November 12, 2026
- Commercial book
- $2.18M
- NCUA 5300,
- Holds, not loans made
- Commercial loans made, H1 2026
- 3
- NCUA 5300,
- Real-estate-secured
- SBA loans, 36 months
- Not reported
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $188M
- NCUA 5300,
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- 787-749-0500 From the NCUA record, June 30, 2026.
- Website
- www.prfedcu.comFrom the NCUA record, November 9, 2026.
- Names it files under
- PUERTO RICO; Puerto Rico Federal Credit UniNCUA 5300,
- Address
- 55 Resolucion Street,Esq., Roosevel, Caparra, PR 00920NCUA 5300,
- Regulator record
- NCUA profile
You generally must be a member of a credit union to borrow from it. Field of membership: Multiple common bond - primarily communications and utilities. Designated low-income by NCUA.
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
| When | What the record shows | Source |
|---|---|---|
| October 21, 2026 | Certified by the CDFI Fund as a Community Development Financial Institution.Membership in a public list, not lending volume. | CDFI Fund certified list, |
No public record of recent loans. That can mean no such loans or no duty to report.
What it holds
NCUA 5300, June 30, 2026
| Book | Holds | Of its loans | Year over year | Loans | Average |
|---|---|---|---|---|---|
| Multifamily | $499K | 0.3% | Not reported | 1 | $499K |
| Construction and land development | $0 | 0.0% | Not reported | 0 | Not reported |
| Owner-occupied CRE | $998K | 0.7% | Not reported | 2 | $499K |
| Non-owner-occupied CRE | $683K | 0.5% | Not reported | 1 | $683K |
| Farmland | $0 | 0.0% | Not reported | 0 | Not reported |
| Commercial and industrial | $0 | 0.0% | Not reported | 0 | Not reported |
| Other real-estate-secured commercial | $0 | 0.0% | Not reported | Not reported | Not reported |
| Commercial total | $2.18M |
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $0 |
| Q4 2023 | $0 |
| Q1 2024 | $0 |
| Q2 2024 | $0 |
| Q3 2024 | $0 |
| Q4 2024 | $0 |
| Q1 2025 | $0 |
| Q2 2025 | $0 |
| Q3 2025 | $500K |
| Q4 2025 | $500K |
| Q1 2026 | $2.19M |
| Q2 2026 | $2.18M |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| 1-4 unit investor or business purpose | 2025 | 24 | $2.81M | $115K | HMDA, | |
| Real-estate-secured commercial | First half of 2026 | 3 | $1.69M | NCUA 5300, | ||
| Multifamily | First half of 2026 | 1 | $500K | NCUA 5300, | ||
| Owner-occupied CRE | First half of 2026 | 1 | $500K | NCUA 5300, | ||
| Non-owner-occupied CRE | First half of 2026 | 1 | $690K | NCUA 5300, |
How these public files were tied to this lender. HMDA: its legal entity identifier (LEI).
| Book | Average loan |
|---|---|
| Multifamily | $499K |
| Owner-occupied CRE | $499K |
| Non-owner-occupied CRE | $683K |
Programs on record: Federal Home Loan Bank member, New York district (FHFA).
Program lists that name this lender
Membership, not lending volume
- Listed by CDFI Fund: List of Certified CDFIs as: Certified CDFI (October 21, 2026). Certified by the CDFI Fund as a Community Development Financial Institution. Kind of institution: Credit Union. Certification: Certified by the CDFI Fund since 2026-09-24.
Being on a list says the lender is a member of that program on the date shown. It does not say how much it lends.
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| Puerto Rico HQ | 5 | 0 | 24 | 0 | 0 |
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Business loan cap | $23.0M | $21.3M to $27.2M across 8 peers | Estimate: the lesser of 1.75 times net worth or 12.25% of assets. Low-income designated credit unions and some others are exempt. Not a statement from the credit union. | NCUA 5300, 12 CFR 723.8, Jun 30, 2026 |
| Business loans outstanding | $0 | $0 to $72.2M across 8 peers | Net member business loans, as reported on Form 5300. | NCUA 5300, |
| Cap used | 0.0% | 0.0% to 339.8% across 8 peers | Business loans outstanding over the estimated cap. This credit union is designated low-income by NCUA and is exempt from the cap. | NCUA 5300, |
| Largest single borrower | $3.95M | $2.28M to $6.09M across 8 peers | Estimate: the greater of 15% of net worth or $100,000. Not a limit the credit union has stated. | NCUA 5300, 12 CFR 723.4, Jun 30, 2026 |
| CRE to net worth | 4.5% | 8.0% to 106.9% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by net worth. Our own ratio, not a regulatory test or limit. | NCUA 5300, |
| Loans to assets | 76.2% | 51.0% to 82.0% across 8 peers | Total loans divided by total assets. | NCUA 5300, |
Estimates use the formulas in 12 CFR 723. Low-income designated credit unions and some others are exempt from the cap.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| Tri County Area Credit Union | PA | $216M | $8.05M |
| E-Central Credit Union | CA | $174M | $67.6M |
| Ripco Credit Union | WI | $189M | $2.96M |
| Appalachian Community Credit Union | TN | $183M | $2.99M |
| Journey Credit Union | MI | $187M | $14.5M |
| SKY Credit Union | MT | $197M | $24.3M |
| Isabella Community Credit Union | MI | $222M | $10.0M |
| Health Advantage Credit Union | MI | $179M | $19.1M |
What we don't know
- Whether it is taking new loans today, or on what terms.
- Who can join. A credit union lends only to its members, and field of membership decides who qualifies.
- Whether it makes multifamily loans. No HMDA multifamily loans are on file under this name for 2024 or 2025.
- Whether it makes SBA loans. No SBA loans are on file under this name for the 36 months to September 30, 2026.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
- Credit union concentration ratios here are our own calculation against net worth. They are not a regulatory test or limit. Originations are Jan-Jun 2026 year to date.
- Combines this filer's call report with HMDA or SBA figures reported under another name or LEI of the same institution.
Check this page
Against the regulator's own record
- Name and charter. Puerto Rico Credit Union, NCUA charter 13939. Compare it with the regulator's record. [NCUA profile]
- Balances. $188M in total assets and $2.18M in commercial loans held, from the NCUA 5300 for June 30, 2026. [Source]
- Loans made. 3 real-estate-secured commercial loans made in the first half of 2026, from your NCUA Form 5300, and 24 loans in the HMDA file, in 2025: 24 HMDA 1-4 unit investor 2025. [How each file was tied to Puerto Rico Credit Union]
- Phone and website. Phone 787-749-0500, from the NCUA record. Website prfedcu.com, from the NCUA record. [How to reach them]
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For the record
Data as of June 30, 2026. Page last changed November 12, 2026.
- Regulator
- National Credit Union Administration
- NCUA charter
- 13939
- RSSD
- 506584
- LEI
- 549300TDABQQ6MBUPK64
- The Lender Report ID
- lr_004435
- Main office county
- San Juan
- Members
- 23,409
- NCUA region
- 2 - Southern
NCUA credit union details,
- Reported $188M in total assets as of June 30, 2026 (NCUA 5300).
- Held $2.2M of commercial and commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $998K of owner-occupied commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $683K of non-owner-occupied commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $499K of multifamily loans as of June 30, 2026 (NCUA 5300).
- Originated 24 1-4 unit investor or business-purpose loans totaling $2.8M in 2025 (HMDA).
5 more sentences
- Originated 3 real-estate-secured commercial loans totaling $1.7M in the first half of 2026 (NCUA 5300).
- Bought $1M of commercial loan participations from January 1 to June 30, 2026 (NCUA 5300).
- Held $1.5M of nonmember commercial loans and participations as of June 30, 2026 (NCUA 5300).
- Listed 5 offices in 1 state (NCUA).
- Certified by the CDFI Fund as a Community Development Financial Institution. (CDFI Fund list, as of October 21, 2026).
Cite this
Source: The Lender Report, Puerto Rico Credit Union, https://lender.report/lender/puerto-rico-credit-union-pr/, data as of June 30, 2026.
Sources
- NCUA 5300, June 30, 2026
- NCUA 5300, June 30, 2025
- HMDA, 2025
- NCUA 5300, June 30, 2026
- CDFI Fund certified list, October 21, 2026
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.
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Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem