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GUIDED TOUR
Step 1 of 5
Assets: $18.9B
Members: 320,000+
San Juan, PR
Every CERNIQ report calculates all 12 COSSEC/NCUA regulatory ratios and flags them as PASS, WARNING, or FAIL against regulatory thresholds.
10
PASS
2
WARNING
0
FAIL
| # | Ratio | Value | Threshold | Status |
|---|---|---|---|---|
| R1 | CET1 Capital Ratio 16.4% | 16.4% | >= 6.5% | PASS |
| R2 | NPL Ratio 1.42% | 1.42% | <= 5% | PASS |
| R3 | Return on Assets (ROA) 1.58% | 1.58% | >= 0.5% | PASS |
| R4 | Efficiency Ratio 52.8% | 52.8% | <= 65% | PASS |
| R5 | Liquidity Coverage Ratio (LCR) 148.2% | 148.2% | >= 100% | PASS |
| R6 | Loan-to-Deposit Ratio 71.6% | 71.6% | <= 85% | PASS |
| R7 | Allowance / NPL Coverage 187.3% | 187.3% | >= 100% | PASS |
| R8 | Net Interest Margin (NIM) 4.25% | 4.25% | >= 2.5% | PASS |
| R9 | Asset Growth Rate 5.2% | 5.2% | 3-10% | PASS |
| R10 | Duration Gap (years) +1.8 yr | +1.8 yr | <= 2.0 yr | PASS |
| R11 | CRE Concentration / Total Capital 285% | 285% | <= 300% | WARNING |
| R12 | EVE Sensitivity (+200bps) -$412M | -$412M | <= -15% equity | WARNING |