Federal credit union · San Juan, Puerto Rico · NCUA charter #6918
VAPR
Health score 98/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 98
- Health / 100
- $304.9M
- Total assets
- 20,593
- Members
- 10.9%
- Net-worth ratio
VAPR scores 98/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $304.9M; members 20,593; net-worth ratio 10.90%; health rank #115 of 4,374; healthier than 97th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#115 of 4,374 health · 2025Q4VAPR · health 98/100 · $304.9M · 2025Q4
- ASSETS 98/100
- MEM 10.9%
- RANK 0.17%
- PHOTO 0.77%
- BOOK $304.9M
- CHARTER 20,593
- NCUSIF #115/4,374
- CAMELS Santa Barbara Teachers
- HEALTH 6918
Call Report peers
VAPR in the assets neighbourhood
VAPR's $304.9M assets sit next to Santa Barbara Teachers ($305.4M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
VAPR vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
98 Top 3% higher than 97% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
VAPR - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #6918, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Where VAPR diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 74.31% vs peer 72.20% (+2.11 pp).
- Widest shortfall vs peers is Net Worth Ratio: -1.21 pp (10.90% vs 12.11%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
VAPR: in-state Call Report ranks
- Puerto Rico health ordinal: #2 of 4.
- Puerto Rico assets place: #2 of 4.
- Puerto Rico membership ordinal: #3 of 4.
In-state ordinals use the live credit_unions table for PR only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
VAPR: 2025Q4 → 2026Q1
VAPR: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.9% from $304.9M (2025Q4) to $310.6M (2026Q1).
- Net-worth ratio shifted +0.08 pp (10.82% → 10.90%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 10.90% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 98/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 98.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 13.2 pts
- Loan-to-Share Ratio 14.8 pts
VAPR vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.90% | -1.21 pp |
| Delinquency Rate | 0.17% | -0.72 pp |
| Return on Assets | 0.77% | +0.15 pp |
| Member Growth | 3.47% | - |
| Loan-to-Share Ratio | 74.31% | +2.11 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
VAPR quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $310.6M | - |
| 2025Q4 | $304.9M | 20,593 |
| 2024Q4 | $277.2M | 19,902 |
| 2023Q4 | $248.6M | 19,285 |
Credit Union Details
- Charter Number
- 6918
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Puerto Rico
- City
- San Juan
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, VAPR runs 3 offices in 3 different cities.
| Office | City |
|---|---|
| VAPR Plaza Branch & Administration Office (Main Office) | Guaynabo, PR |
| Guayama Branch | Guayama, PR |
| Federal Building Branch | San Juan, PR |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Puerto Rico
Other federally-insured credit unions in Puerto Rico, closest first by peer group and asset size.
Other-state peers near VAPR
Cross-state asset and health neighbours for VAPR - kept outside Puerto Rico; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($304.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (98/100 here).
Using this data
- VAPR ranks #115 of 4,374 nationally on financial health and #2 of 4 in PR -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Puerto Rico is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Puerto Rico
- Rates and health both vary by institution, not just by state -- see how Puerto Rico credit unions compare overall before assuming this one is typical. Puerto Rico state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is VAPR financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, VAPR carries a financial health score of 98/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #115 of 4,374; by total assets it ranks #1,031 of 4,374 nationally (same basis as /rankings/largest); and #2 of 4 within Puerto Rico. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 10.90% net worth ratio and a 0.17% delinquency rate.
How does VAPR compare to other credit unions?
VAPR scores 98/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join VAPR?
VAPR operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact VAPR directly for the exact boundaries and application steps.
Is my money safe at VAPR?
Federal credit unions like VAPR are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. VAPR's net worth ratio of 10.90% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does VAPR offer compared to banks?
Credit unions like VAPR are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact VAPR directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.