VAPR Credit Union Profile

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VAPR

Charter #6918 | NCUA Region 2 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (787) 773-7600

Fax: (787) 773-7611

Founding Date: N/A

Website: http://www.vaprfcu.com

Personnel & Operations

President: Ortega, Eduardo

Manager: Ramos Monell, Jose

FT Employees: 65

PT Employees: 0

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 51

Branches: 4

Hours: 7:30 am - 4:00 pm

Credit Union Profile Summary

VAPR is a FCU Credit Union. With a total of 20,568 members [1], this institution manages approximately $291,250,269 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 10.84% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 40.34% [1].

Financial Snapshot

Total Assets [1]
$291,250,269

Total economic resources.

Total Loans [1]
$191,771,185

Total value of outstanding loans.

Total Deposits [1]
$263,635,267

Total funds deposited by members.

Members [1]
20,568

Number of active members.

Performance Ratios

Net Worth Ratio [1]
10.84%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
1.53%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
72.74%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
10.66%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
40.34%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
4.24%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

2400 Carretera 177

Guaynabo, PR, 00969

Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 3 branches reported by VAPR (Charter #6918).

Main Office

VAPR Plaza Branch & Administration Office Main Office

Type: Corporate Office

Ave Los Filtros

Bo Monacillos Carretera 177 KM 3.8

San Juan, PR 00926

Phone: (787) 773-7600

Services: Member Services, ATM, Drive-Thru

Open in Directions

Additional Branches

Guayama

Guayama Branch

Type: Branch Office

Street 54

La Fuente Town Center

Guayama, PR 00785

Phone: (787) 773-7600

Services: Member Services, ATM, Drive-Thru

Open in Directions

San Juan

Federal Building Branch

Type: Branch Office

150 Ave Carlos Chardon

Ste 227

San Juan, PR 00918-1703

Phone: (787) 772-7306

Services: Member Services

Open in Directions