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
Call Report peers
VAPR in the assets neighbourhood
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VAPR vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); VAPR sits in 95-99 with 391 others.
98 Top 3% higher than 97% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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.
- One place up in Puerto Rico, CARIBE (#1) scores 99/100, 1 point higher; one place down, Puerto Rico Employee Groups (#3) scores 85/100, 13 points lower.
VAPR: 2025Q4 → 2026Q1
VAPR: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.9% from $304.9M (2025Q4) to $310.6M (2026Q1).
- Net-worth ratio shifted +0.08 pp (10.82% → 10.90%).
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
VAPR gives up 2 points in total. Member Growth costs the most, 1.8 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is VAPR financially healthy?
VAPR has a financial health score of 98/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #115 of 4,374 nationally on health and #2 of 4 in Puerto Rico. Its net worth ratio is 10.90% and its delinquency rate 0.17%.
How does VAPR compare to other credit unions?
VAPR scores 98/100, higher than 97% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (74.31% vs 72.20%). Its widest shortfall is net worth ratio (10.90% vs 12.11%).
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?
VAPR is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.