Side-by-side · Q2 2026 data
FirstBank Puerto Rico vs Vapr Federal Credit Union
Metric by metric
| Measure | FirstBank Puerto Rico | Vapr Federal Credit Union |
|---|---|---|
| TellerScore | 72 | 76 (stronger) |
| Capital cushion | 65 (stronger) | 60 |
| Loan quality | 70 | 92 (stronger) |
| Earnings | 96 (stronger) | 67 |
| Funding & liquidity | 47 | 82 (stronger) |
| Problem-loan coverage | 88 | 97 (stronger) |
| Peer percentile | 79th | 68th |
| Total assets | $19.2B | $315.6M |
| Deposits / shares | $16.9B | $283.0M |
| Capital ratio | 11.54% (stronger) | 11.04% |
| Problem loans | 0.90% | 0.24% (stronger) |
| Net charge-offs | 0.56% | 0.26% (stronger) |
| Return on assets | 1.89% (stronger) | 1.18% |
| Loans ÷ deposits | 77.1% (stronger) | 78.7% |
| Uninsured deposits | 47.4% | 8.2% (stronger) |
| Offices | 73 | 2 |
| CFPB complaints (3 yrs) | 247 | — |
| Complaints per $1B deposits | 14.6 | — |
| Mortgage denial rate (HMDA) | 23.3% | — |
Vapr Federal Credit Union has the higher TellerScore (76 vs 72). On the 7 directional measures above (where higher or lower is clearly better), FirstBank Puerto Rico leads on 3 and Vapr Federal Credit Union on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- San Juan, PR
- Guayama, PR