Vapr

San Juan, PR · 1 · Charter #6918 · www.vaprfcu.com
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$304.9M
16th percentile
Members
20,593
27th percentile
Total loans
$203.7M
21th percentile
Total shares
$274.0M
21th percentile

Profitability

Return on assets
1.84%
92th percentile
Net interest margin
3.94%
79th percentile
Efficiency ratio
49.92%
82th percentile
Non-interest income ratio
13.90%
19th percentile

Capital & Risk

Net worth ratio
10.82%
50th percentile
Delinquency rate
0.17%
94th percentile
Net charge-off rate
0.59%
32th percentile
Loan-to-share
74.35%
35th percentile

Growth

Member growth YoY
3.47%
80th percentile
Asset growth YoY
10.00%
86th percentile
Loan growth YoY
32.38%
99th percentile
Share growth YoY
8.38%
82th percentile

Operations

Members / branch
5,148
60th percentile
Assets / member
$14,808
38th percentile
Field of membership penetration
82.37%
99th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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