Side-by-side · Q2 2026 data
Vapr Federal Credit Union vs Puerto Rico Federal Credit Union
Metric by metric
| Measure | Vapr Federal Credit Union | Puerto Rico Federal Credit Union |
|---|---|---|
| TellerScore | 76 (stronger) | 73 |
| Capital cushion | 60 | 90 (stronger) |
| Loan quality | 92 (stronger) | 77 |
| Earnings | 67 (stronger) | 35 |
| Funding & liquidity | 82 (stronger) | 73 |
| Problem-loan coverage | 97 (stronger) | 92 |
| Peer percentile | 68th | 60th |
| Total assets | $315.6M | $188.0M |
| Deposits / shares | $283.0M | $164.0M |
| Capital ratio | 11.04% | 14.01% (stronger) |
| Problem loans | 0.24% (stronger) | 0.68% |
| Net charge-offs | 0.26% (stronger) | 1.02% |
| Return on assets | 1.18% (stronger) | 0.37% |
| Loans ÷ deposits | 78.7% (stronger) | 87.3% |
| Uninsured deposits | 8.2% | 5.5% (stronger) |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Vapr Federal Credit Union has the higher TellerScore (76 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Vapr Federal Credit Union leads on 5 and Puerto Rico Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.