Credit union · NCUA insured
VAPR Federal Credit Union
A $310.6M credit union headquartered in Guaynabo, PR, with 20,707 members and 3 branches in Puerto Rico. Best rates: CDs 3.30% and savings 0.00% APY.
VAPR Federal Credit Union Carrot Score
71
Carrot Score
Higher than 29% of U.S. banks and credit unions
#6 of 9 in San Juan, PR metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About VAPR Federal Credit Union
- Headquarters
- 2400 Carretera 177, Guaynabo, PR 00969
- NCUA charter
- 6918
Branches
3 branches in Puerto Rico
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Puerto Rico
3 branches
San Juan area · 2
- VAPR Plaza Branch & Administration OfficeMain office2400 Carretera 177, Guaynabo, PR 00969Directions
- Federal Building Branch150 Ave Carlos Chardon, Ste 227, San Juan, PR 00918Directions
Guayama area · 1
- Guayama BranchStreet 54, La Fuente Town Center, Guayama, PR 00785Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.04% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.24% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.20% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $79 | $76 | — |
- CapitalNet worth ratio11.04%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.24%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.20%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$79Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of VAPR Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.