Vapr Federal Credit Union
San Juan, PR·Charter 6918·cu:6918·Credit union RBC / net worth
- #2 of 4Total assets in Puerto Rico
- 21Kmembers
- Top 6%Loan growth in the U.S.
- Top 10%Loan quality vs. peers
Performance over time
7 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
Credit union · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Vapr Federal Credit Union
3 of 24 FORFI signals stand out against 569 similar credit unions, based on NCUA data for the quarter.
Efficiency ratio rising while the peer median fallsWorth a look: Efficiency67.1%peers 75.9%-8.9 pp
Vapr Federal Credit Union's efficiency ratio rose 14.7 percentage points over the past year to 67.1%. Among 561 similar credit unions, the median fell 0.6 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Efficiency ratio | ||
| 67.1% | 75.9% | -8.9 pp |
| 12-month change | ||
| +14.7 pp | -0.6 pp | +15.3 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 569 credit unions with $300 million to $1 billion in assets that filed NCUA data for the same quarter. Vapr Federal Credit Union itself is left out of every peer median and percentile. How signals work
Loans growing faster than peersStrength: Lending 2nd quarter+16.1%peers +4.1%+12.0 pp
Vapr Federal Credit Union's loans grew 16.1% over the past year to $223 million. The median among 563 similar credit unions was +4.1%.
| This institution | Peer median | Difference |
|---|---|---|
| Loans, 12-month growth | ||
| +16.1% | +4.1% | +12.0 pp |
| Loans | ||
| $223 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 569 credit unions with $300 million to $1 billion in assets that filed NCUA data for the same quarter. Vapr Federal Credit Union itself is left out of every peer median and percentile. How signals work
Fee and other noninterest income among the lowest of similar credit unionsWorth a look: Earnings0.44%peers 1.17%-73 bps
Vapr Federal Credit Union's noninterest income relative to average assets was 0.44%, compared with a median of 1.17% among 566 similar credit unions: lower than 94% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Noninterest income relative to average assets | ||
| 0.44% | 1.17% | -73 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 569 credit unions with $300 million to $1 billion in assets that filed NCUA data for the same quarter. Vapr Federal Credit Union itself is left out of every peer median and percentile. How signals work
Key facts
- Vapr Federal Credit Union is a federally chartered credit union headquartered in San Juan, Puerto Rico. It reported $316 million in total assets for the quarter ended June 30, 2026.
- Shares and deposits totaled $283 million, up 7.3% from a year earlier, and loans totaled $223 million, up 16.1%.
- Its net interest margin on average assets was 4.12% and its annualized return on assets was 1.26% for the quarter.
- Its cost of all shares and deposits was 1.27%, compared with a median of 1.45% among 566 similar credit unions with $300 million to $1 billion in assets.
- It served 20,961 members, up 1.9% from a year earlier.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Vapr Federal Credit Union's own data, FORFI would look at: Where revenue per relationship falls short of the cost to serve it.
Analysis workspaces
Sources and identifiers
- Institution
- Vapr Federal Credit Union · Credit union
- NCUA charter
- 6918
- Reporting period
- Peer group
- 569 credit unions with $300 million to $1 billion in assets that filed NCUA data for the same quarter. Vapr Federal Credit Union itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
NCUA · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation |
|---|---|
| $982.79K | |
| $4.11M | |
| $891.89K | |
| $3.22M | |
| $345.74K | |
| $2.39M | |
| $190.55K | |
| $189.52K | |
| 1.26% | |
| 4.12% | |
| 67.08% |
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-16T13:43:41.229347+00:00. Separate reference provenance is included in the export.