Side-by-side · Q2 2026 data
Vapr Federal Credit Union vs Puerto Rico Employee Groups Federal Credit Union
Credit union
Puerto Rico Employee Groups Federal Credit Union
San Juan, Puerto Rico · Under $100 million in assets
Metric by metric
| Measure | Vapr Federal Credit Union | Puerto Rico Employee Groups Federal Credit Union |
|---|---|---|
| TellerScore | 76 | 81 (stronger) |
| Capital cushion | 60 | 93 (stronger) |
| Loan quality | 92 (stronger) | 82 |
| Earnings | 67 (stronger) | 41 |
| Funding & liquidity | 82 | 97 (stronger) |
| Problem-loan coverage | 97 (stronger) | 96 |
| Peer percentile | 68th | 68th |
| Total assets | $315.6M | $3.4M |
| Deposits / shares | $283.0M | $2.9M |
| Capital ratio | 11.04% | 14.28% (stronger) |
| Problem loans | 0.24% (stronger) | 0.55% |
| Net charge-offs | 0.26% (stronger) | 1.90% |
| Return on assets | 1.18% (stronger) | 0.51% |
| Loans ÷ deposits | 78.7% | 63.6% (stronger) |
| Uninsured deposits | 8.2% | 0.0% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Puerto Rico Employee Groups Federal Credit Union has the higher TellerScore (81 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Vapr Federal Credit Union leads on 3 and Puerto Rico Employee Groups 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.