Charter 7345 · San Juan, PR
Caribe Federal Credit Union
Caribe Federal Credit Union is a federally chartered credit union in San Juan, Puerto Rico, with $800 million in assets and 64,987 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 12.04%, well above the 7% that NCUA's rules treat as well capitalized.
Also does business as Servicio con Calor Humano, I Save, CFCU, Carikid, Caribe Online, Caribe Mobile, Caribe Federal, Caribe Mortgage, Caribe Business.
- Total assets
- $800 million
- +6.0% in a year
- Members
- 64,987
- +2.1% in a year
- Net worth ratio
- 12.04%
- Peer median 10.79%
- Loans 60+ days late
- 0.49%
- Peer median 0.67%
- Loans outstanding
- $609 million
- -0.8% in a year
- Shares and deposits
- $691 million
- +3.3% in a year
- Branches
- 9
- 173 employees
- Opened
- 1951
- Federal charter
How Caribe Federal Credit Union compares
NCUA groups credit unions by size; Caribe Federal Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 12.04% is higher than that group's median of 10.79%, and its share of loans 60 or more days past due, 0.49%, is lower than the group median of 0.67%. Loans fell 0.8% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 1 of 4 credit unions headquartered in Puerto Rico. See all Puerto Rico credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $800 million | 64,987 | $609 million | 12.04% | 0.49% |
| Q1 2026 | $790 million | 63,943 | $609 million | 11.29% | 0.35% |
| Q4 2025 | $763 million | 64,367 | $613 million | 10.77% | 0.53% |
| Q3 2025 | $751 million | 64,492 | $617 million | 10.75% | 0.53% |
| Q2 2025 | $755 million | 63,631 | $614 million | 10.10% | 0.59% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 119,816 potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital. It is designated a minority depository institution.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 7 sites for Caribe Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- MAIN
195 Calle Oneill, San Juan, PR 00918 - FEDE
Federal Bldg, San Juan, PR 00918 - Guaynabo Las Cumbres -Admin- (main office)
10A Carr 838 Esq 199, Guaynabo, PR 00969 - Guaynabo -Las Cumbres Branch
10A Carr 838 Esq Pr-199, Guaynabo, PR 00969 - Ponce Branch
1233 Ave Hostos, Ponce, PR 00717 - Anasco
46 Calle 65 Infanteria, Anasco, PR 00610 - RG TOWN CENTER
Pr-3 Km. 24.5, Rio Grande, PR 00745
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology