Vapr vs Puerto Rico
Comparing a Credit Union in San Juan, PR with a Credit Union in Caparra, PR using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Vapr ↗ Credit Union · San Juan, PR · Est. 1950 | Puerto Rico ↗ Credit Union · Caparra, PR · Est. 1960 | |
|---|---|---|
| Trust Grade | A · 94/100 | A · 94/100 |
| Institution type | Credit Union | Credit Union |
| Location | San Juan, PR | Caparra, PR |
| Total assets | $310.6M | $187.2M |
| Net worth ratio | 10.9% | 13.2% |
| Return on assets | 1.1% | 0.4% |
| Shares & deposits | — | — |
| Members | 20,707 | 22,856 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #2 of 4 | #4 of 4 |
| Established | 1950 | 1960 |
Vapr
- Assets: $310.6M
- Members: 20,707
- Capital ratio: 10.9%
- Return on assets: 1.1%
- CFPB complaints: 0
- State rank: #2 of 4
Puerto Rico
- Assets: $187.2M
- Members: 22,856
- Capital ratio: 13.2%
- Return on assets: 0.4%
- CFPB complaints: 0
- State rank: #4 of 4
Are both institutions federally insured?
Yes. Vapr is NCUA-insured and Puerto Rico 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 Puerto Rico?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Vapr scores higher with a grade of A (94/100). 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 Puerto Rico safe?
Yes — Puerto Rico 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 Vapr vs Puerto Rico?
Vapr has a net worth ratio of 10.9%, placing it in the bottom 45% of $100M–1B peers. Puerto Rico's ratio is 13.2%, placing it in the top 27% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Vapr have compared to Puerto Rico?
The CFPB database shows 0 complaints against Vapr, and 0 complaints against Puerto Rico. 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.
