Oriental Bank vs Vapr
Comparing a Bank in San Juan, PR with a Credit Union in San Juan, PR using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Oriental Bank ↗ Bank · San Juan, PR · Est. 1965 | Vapr ↗ Credit Union · San Juan, PR · Est. 1950 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 94/100 |
| Institution type | Bank | Credit Union |
| Location | San Juan, PR | San Juan, PR |
| Total assets | $12.0B | $310.6M |
| Capital ratio | 10.9% | 10.9% |
| Return on assets | 1.7% | 1.1% |
| Deposits | $9.9B | — |
| Branches | 45 | 20,707 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #1 of 5 | #2 of 4 |
| Established | 1965 | 1950 |
Oriental Bank
- Assets: $12.0B
- Deposits: $9.9B
- Capital ratio: 10.9%
- Return on assets: 1.7%
- CFPB complaints: 0
- State rank: #1 of 5
Vapr
- Assets: $310.6M
- Members: 20,707
- Capital ratio: 10.9%
- Return on assets: 1.1%
- CFPB complaints: 0
- State rank: #2 of 4
Are both institutions federally insured?
Yes. Oriental Bank is FDIC-insured and Vapr is NCUA-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Oriental Bank or Vapr?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Oriental Bank scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Oriental Bank safe?
Yes — Oriental Bank is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Vapr safe?
Yes — Vapr is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (94/100).
What is the capital ratio of Oriental Bank vs Vapr?
Oriental Bank has a capital ratio of 10.9%, placing it in the bottom 39% of $10B–100B peers. Vapr's ratio is 10.9%, placing it in the bottom 45% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Oriental Bank have compared to Vapr?
The CFPB database shows 0 complaints against Oriental Bank, and 0 complaints against Vapr. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Oriental Bank with other Banks in Puerto Rico
Financial data from FDIC and NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
