TellerScore

Headquartered in San Juan, Puerto Rico, Vapr Federal Credit Union is a federal credit union with $315.6M in total assets and $283.0M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1950.

Based on its Q2 2026 filing, Vapr Federal Credit Union scores 76/100, which we describe as strong. That is higher than 68% of 1,341 credit unions with $100 million – $1 billion. Among 4 credit unions headquartered in Puerto Rico, it ranks 3rd. Its strongest component is problem-loan coverage (97/100; 1.6%), and its lowest is capital cushion (60/100; 11.04%).

TellerScore · Q2 2026

Scorecard

Capital cushion60/100
Net worth ratio: 11.04%
Loan quality92/100
Loans 60+ days delinquent ÷ total loans: 0.24%
Earnings67/100
Return on assets (annualized): 1.18%
Funding & liquidity82/100
Loans ÷ shares: 78.7% · 8.2% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.55%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (77 → 76).

TellerScore
747779Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202474
Q3 202476
Q4 202474
Q1 202579
Q2 202577
Q3 202577
Q4 202576
Q1 202678
Q2 202676
Net worth ratio
7.00%9.02%11.04%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.79%
Q3 202410.68%
Q4 202410.60%
Q1 202510.58%
Q2 202510.09%
Q3 202510.71%
Q4 202510.82%
Q1 202610.90%
Q2 202611.04%
Delinquent loans (60+ days)
0.06%0.25%0.44%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.44%
Q3 20240.21%
Q4 20240.36%
Q1 20250.14%
Q2 20250.20%
Q3 20250.15%
Q4 20250.17%
Q1 20260.06%
Q2 20260.24%
Return on assets
0.83%1.16%1.50%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.83%
Q3 20240.85%
Q4 20240.85%
Q1 20251.34%
Q2 20251.50%
Q3 20251.14%
Q4 20251.00%
Q1 20261.14%
Q2 20261.18%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$315.6M11.04%0.24%1.18%78.7%
Q1 202678$310.6M10.90%0.06%1.14%76.2%
Q4 202576$304.9M10.82%0.17%1.00%74.3%
Q3 202577$298.2M10.71%0.15%1.14%72.8%
Q2 202577$291.3M10.09%0.20%1.50%72.7%
Q1 202579$286.8M10.58%0.14%1.34%66.8%
Q4 202474$277.2M10.60%0.36%0.85%60.8%
Q3 202476$271.8M10.68%0.21%0.85%59.0%
Q2 202474$263.2M10.79%0.44%0.83%56.6%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.04%
45th
Problem loans0.24%
87th
Net charge-offs0.26%
62nd
Return on assets1.18%
77th
Loans to deposits78.7%
44th
Uninsured deposits8.2%
28th
Loan-loss reserves0.00%
50th
Texas ratio1.6%
81st

Similar-size credit unions in Puerto Rico

InstitutionScoreAssetsCapitalProblem loansCompare
Puerto Rico Federal Credit UnionCredit union Caparra, PR73 out of 100, Strong$188.0M14.0%0.68%vs
Caribe Federal Credit UnionCredit union San Juan, PR82 out of 100, Strong$799.9M12.0%0.49%vs

Deposit insurance

Is my money safe at Vapr Federal Credit Union?

Yes. Vapr Federal Credit Union is a federally insured credit union (NCUA charter #6918). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 8.2% of shares and deposits ($23.1M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 11.04%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Vapr Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Vapr Federal Credit Union
Type
Federal credit union
NCUA charter #
6918
RSSD ID
229584
Primary regulator
NCUA
Established
1950
Headquarters
P.O.Box 33017, San Juan, PR 00933
Employees
66

Quick answers

Vapr Federal Credit Union: common questions

Is Vapr Federal Credit Union NCUA insured?

Yes. Vapr Federal Credit Union is a federally insured credit union (NCUA charter #6918). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Vapr Federal Credit Union's TellerScore?

76 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Vapr Federal Credit Union have?

2 offices as of the latest NCUA data.