Vapr Federal Credit Union
Total assets
$310.6M
▲ +8.3% YoY
Shares & deposits
$278.8M
▲ +7.4% YoY
Loans
$212.3M
▲ +22.4% YoY
Members
20,707
▲ +2.3% YoY
ROA (annualized)
1.14%
peers 0.69%
ROE (annualized)
10.42%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.3% | +3.9% | +4.4 pts |
| Share growth (YoY) | +7.3% | +3.3% | +4.0 pts |
| Loan growth (YoY) | +22.4% | +2.9% | +19.5 pts |
| ROA | 1.14% | 0.69% | +0.4 pts |
| ROE | 10.4% | 5.9% | +4.5 pts |
ROA ranks in the 77th percentile of its peer group · Q1 2026
Profile
- Established
- 1950
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- P.O.Box 33017, San Juan, PR, 00933
- NCUA charter #
- 6918
- RSSD ID
- 229584
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $310.6M | $278.8M | $212.3M | $33.9M | $882K | 1.14% | 4.10% | 0.06% | 20,707 |
| Q4 2025 | $304.9M | $274.2M | $203.7M | $33.0M | $3.1M | 1.00% | 3.94% | 0.17% | 20,593 |
| Q3 2025 | $298.2M | $269.3M | $196.0M | $32.0M | $2.6M | 1.14% | 3.93% | 0.15% | 20,568 |
| Q2 2025 | $291.3M | $263.6M | $191.8M | $29.4M | $2.2M | 1.50% | 3.96% | 0.20% | 20,568 |
| Q1 2025 | $286.8M | $259.7M | $173.5M | $30.4M | $962K | 1.34% | 3.91% | 0.14% | 20,240 |
| Q4 2024 | $277.2M | $253.0M | $153.9M | $29.4M | $2.4M | 0.85% | 3.80% | 0.36% | 19,902 |
| Q3 2024 | $271.8M | $246.9M | $145.6M | $29.1M | $1.7M | 0.85% | 3.83% | 0.21% | 19,843 |
| Q2 2024 | $263.2M | $241.5M | $136.6M | $28.5M | $1.1M | 0.83% | 3.86% | 0.44% | 19,731 |
Loan mix (Q1 2026): real estate $17.9M · commercial $4.8M · consumer $186.6M · securities $65.6M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.14% | 0.69% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 10.4% | 5.9% | 85th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.10% | 3.62% | 79th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.2% | 78.7% | 8th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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