Charter 6918 · San Juan, PR
Vapr Federal Credit Union
Vapr Federal Credit Union is a federally chartered credit union in San Juan, Puerto Rico, with $316 million in assets and 20,961 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 11.04%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $316 million
- +8.4% in a year
- Members
- 20,961
- +1.9% in a year
- Net worth ratio
- 11.04%
- Peer median 11.65%
- Loans 60+ days late
- 0.24%
- Peer median 0.70%
- Loans outstanding
- $223 million
- +16.1% in a year
- Shares and deposits
- $283 million
- +7.3% in a year
- Branches
- 4
- 66 employees
- Opened
- 1950
- Federal charter
How Vapr Federal Credit Union compares
NCUA groups credit unions by size; Vapr Federal Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 11.04% is lower than that group's median of 11.65%, and its share of loans 60 or more days past due, 0.24%, is lower than the group median of 0.70%. Loans grew 16.1% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 2 of 4 credit unions headquartered in Puerto Rico. See all Puerto Rico credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $316 million | 20,961 | $223 million | 11.04% | 0.24% |
| Q1 2026 | $311 million | 20,707 | $212 million | 10.90% | 0.06% |
| Q4 2025 | $305 million | 20,593 | $204 million | 10.82% | 0.17% |
| Q3 2025 | $298 million | 20,568 | $196 million | 10.71% | 0.15% |
| Q2 2025 | $291 million | 20,568 | $192 million | 10.09% | 0.20% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 25,000 potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital. It is designated a minority depository institution.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 3 sites for Vapr Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Federal Building Branch
150 Ave Carlos Chardon, San Juan, PR 00918 - VAPR Plaza Branch & Administration Office (main office)
2400 Carretera 177, Guaynabo, PR 00969 - Guayama Branch
Street 54, Guayama, PR 00785
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology