Vapr
San Juan, PR · Charter 6918 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$315.6MAssets
$222.6MLoans
$283.0MShares
$34.8MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 87% of credit unions under $1B in assets (rank 225 of 1681).
- Widest gap: equity / assets trails 68% of credit unions under $1B in assets (rank 1144 of 1683).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
1.18%
Rank 420 of 1,683
Net Interest Margin
4.06%
Rank 623 of 1,683
Efficiency Ratio
63.14%
Rank 245 of 1,682
Equity / Assets
11.04%
Rank 1,144 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.18% | 0.35% | 0.74% | 1.18% | Beats 75% | 420 / 1,683 | |
| Return on Equity | 10.71% | 2.67% | 5.89% | 8.74% | Beats 87% | 225 / 1,681 | |
| Net Interest Margin | 4.06% | 3.31% | 3.82% | 4.32% | Beats 63% | 623 / 1,683 | |
| Efficiency Ratio | 63.14% | 68.91% | 78.20% | 86.93% | Beats 85% | 245 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.24% | 0.26% | 0.65% | 1.29% | Beats 77% | 388 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.04% | 10.44% | 12.89% | 16.53% | Beats 32% | 1,144 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.04% | 10.44% | 12.89% | 16.53% | Beats 32% | 1,144 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 78.67% | 52.61% | 69.38% | 83.50% | 67th pctl | 555 / 1,683 | |
| Loans / Assets | 70.53% | 44.71% | 59.18% | 70.72% | 74th pctl | 430 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |