TU FINANCIERA S.A.
Rating and auditor (2026)
Apy
Feller Rate, outlook estable. Auditor: PCG Auditores Consultores. Local scale ("py"): AAApy is the strongest in Paraguay, not a global rating.
Per employee (293 staff)
| Profit per employee, last 12 months | USD 72.4 k |
| Deposits per employee | USD 1.4 M |
| Loans per employee | USD 1.2 M |
Who it lends to
| Consumer loans (households) | 79 % | |
| Financial sector | 5 % | |
| Wholesale trade | 5 % | |
| Retail trade | 3 % | |
| Services | 3 % | |
| Real estate | 1 % | |
| Agriculture | 1 % | |
| Industry | 1 % | |
| Mortgages (households) | 1 % | |
| Cattle | 0 % | |
| Construction | 0 % | |
| Other | 0 % | |
| Public administration | 0 % |
2026-09, share of USD 378 M lent.
Accounts
Assets
USD 493 M
₲ 2.9 tn
2026-09 · +68 % in a year in USD (+40 % in ₲)
Liabilities
USD 425 M
₲ 2.5 tn
2026-09 · +71 % in a year in USD (+43 % in ₲)
Equity
USD 68.3 M
₲ 398 bn
2026-09 · +50 % in a year in USD (+25 % in ₲)
Deposits
USD 397 M
₲ 2.3 tn
2026-09 · +77 % in a year in USD (+48 % in ₲)
Net loans
USD 361 M
₲ 2.1 tn
2026-09 · +56 % in a year in USD (+30 % in ₲)
Profit, year to date
USD 17.8 M
₲ 104 bn
2026-09
Pre-tax profit, year to date
USD 16.2 M
₲ 95.9 bn
2026-08 · +30 % in a year in USD (+4 % in ₲)
Staff
293
2026-09 · +3 % in a year
Branches
9
2026-09 · -10 % in a year
ATMs
0
2026-09
Tier 1 capital / risk-weighted assets
13.2 %
2026-09
Bad loans (past due / total)
9.7 %
2026-09
Return on assets (ROA)
5.4 %
2026-09
Return on equity (ROE)
52.4 %
2026-09
Liquidity (cash and short investments / deposits)
24.0 %
2026-09
Cost / operating margin
36.4 %
2026-09
Charts of money are in US dollars, each month at the central bank's month-end rate; the guaraní figure is under each dollar amount. Source: Banco Central del Paraguay (monthly returns, unaudited until the year closes).