Vapr vs Caribe
Comparing a Credit Union 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.
| Vapr ↗ Credit Union · San Juan, PR · Est. 1950 | Caribe ↗ Credit Union · San Juan, PR · Est. 1951 | |
|---|---|---|
| Trust Grade | A · 94/100 | A · 95/100 |
| Institution type | Credit Union | Credit Union |
| Location | San Juan, PR | San Juan, PR |
| Total assets | $310.6M | $789.8M |
| Net worth ratio | 10.9% | 11.3% |
| Return on assets | 1.1% | 3.6% |
| Shares & deposits | — | — |
| Members | 20,707 | 63,943 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #2 of 4 | #1 of 4 |
| Established | 1950 | 1951 |
Vapr
- Assets: $310.6M
- Members: 20,707
- Capital ratio: 10.9%
- Return on assets: 1.1%
- CFPB complaints: 0
- State rank: #2 of 4
Caribe
- Assets: $789.8M
- Members: 63,943
- Capital ratio: 11.3%
- Return on assets: 3.6%
- CFPB complaints: 0
- State rank: #1 of 4
Are both institutions federally insured?
Yes. Vapr is NCUA-insured and Caribe 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, Vapr or Caribe?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Caribe scores higher with a grade of A (95/100). 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 Vapr safe?
Yes — Vapr is NCUA-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 (94/100), reflecting its financial strength and complaint history relative to peers.
Is Caribe safe?
Yes — Caribe is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (95/100).
What is the capital ratio of Vapr vs Caribe?
Vapr has a net worth ratio of 10.9%, placing it in the bottom 45% of $100M–1B peers. Caribe's ratio is 11.3%, placing it in the top 50% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Vapr have compared to Caribe?
The CFPB database shows 0 complaints against Vapr, and 0 complaints against Caribe. 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 Vapr with other Credit Unions in Puerto Rico
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
