# VAPR
San Juan, PR · NCUA charter 6918 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/vapr-6918

Who the members are: federal charter, multiple common bond, organized 1950, low-income designated, minority depository institution. 20,707 members of 25,000 potential (82.8% of the field); checking penetration 9% (share draft accounts per 100 members); loans per 100 members 58.

**Verdict on the desk:** this could be *auto monoline*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $310.6M |
| Members | 20,707 (2.3% YoY) |
| Full-time staff | 64 |
| Net worth | $33.9M |
| Net worth ratio | 10.9% (p45 of band) |
| ROA (annualized) | 1.14% (p78 of band) |
| Total delinquency | 0.06% (p3 of band) |
| Net charge-offs (annualized) | 0.29% (p40 of band) |
| Loans / shares | 76% (p54 of band) |
| Cash / assets | 8.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.10% (p82 of band) |
| Operating expense / assets | 2.72% (p17 of band) |
| Vehicles % of loans | 65% (p93 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p9 of band) |
| Vehicle delinquency | 0.02% (p4 of band) |
| Vehicle NCO | 0.21% (p22 of band) |
| Repossessed % of vehicle book | 0.04% (p61 of band) |
| Real estate % of loans | 8% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 23% |
| Commercial % of net worth | 14% |
| Core shares % of member funds | 50% |
| Certificates % of member funds | 35% |
| Average share balance | $6,377 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 58% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $17,536 |
| Loans granted, annualized | $91.8M |

## Flags firing in the latest filing

- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 3 | net worth falling, repo signal |  |
| 2017-06 | 4 | losing money, charge-offs p90 | repo signal |
| 2017-09 | 4 |  |  |
| 2017-12 | 3 |  | losing money |
| 2018-03 | 3 |  |  |
| 2018-06 | 2 |  | net worth falling |
| 2018-09 | 4 | assets shrinking, members leaving |  |
| 2018-12 | 4 |  |  |
| 2019-03 | 4 | loan book shrinking | charge-offs p90 |
| 2019-06 | 4 | charge-offs p90 | thin capital |
| 2019-09 | 3 | auto monoline | members leaving, loan book shrinking |
| 2019-12 | 3 |  |  |
| 2020-03 | 2 |  | assets shrinking |
| 2020-06 | 6 | net worth falling, margin squeeze, members leaving, loan book shrinking |  |
| 2020-09 | 6 |  |  |
| 2020-12 | 5 |  | net worth falling |
| 2021-03 | 4 |  | charge-offs p90 |
| 2021-06 | 3 |  | loan book shrinking |
| 2021-09 | 3 |  |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 2 |  | margin squeeze |
| 2022-06 | 2 | delinquency rising | members leaving |
| 2022-09 | 2 |  |  |
| 2022-12 | 1 |  | delinquency rising |
| 2023-03 | 3 | delinquency rising, assets shrinking |  |
| 2023-06 | 1 |  | delinquency rising, assets shrinking |
| 2023-09 | 1 |  |  |
| 2023-12 | 0 |  | auto monoline |
| 2024-03 | 2 | net worth falling, charge-offs p90 |  |
| 2024-06 | 0 |  | net worth falling, charge-offs p90 |
| 2024-09 | 0 |  |  |
| 2024-12 | 2 | net worth falling, delinquency rising |  |
| 2025-03 | 2 | auto monoline | delinquency rising |
| 2025-06 | 2 |  |  |
| 2025-09 | 1 |  | net worth falling |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-03 [VAPR FCU net income jumps 30%, assets reach $304.9M - News is My Business](https://news.google.com/rss/articles/CBMihAFBVV95cUxNcUd4a0RuZGlrUWVVcVRpNXpGem1XdF8yR1RBR2RyMFFJT2tiZzRNX1JlZFZDazdmSGpKTHphRWZ2YUU0U0tsZXBhSDc1OHRQa0hDLXNhZFBoZXNXVzFNQnRGS3g2bG5XWEhTRF93U0JrbEJweWpyTHFaMUtKRGVpb3loWFQ?oc=5) · News is My Business
- 2012-07-16 [VAPR Federal Credit Union invests $8M in new HQs - News is My Business](https://news.google.com/rss/articles/CBMigwFBVV95cUxOWWtya1FjczcxV0kzWU9RdGh4T1YzUFdHczlNSGtvU3BJMHpnRlh2WEZlbEV0VTlVaFd5LVNUcXNjQngyNE9ocGxYaTNXTUl1S2pIVVlLWkNSbWZvVXRUWVRfZUx1bmJsRkpib2k5QU9PTVRsM0dJWTJqTWhTWE1nY1YwNA?oc=5) · News is My Business
- 2017-04-06 [VAPR Federal Credit Union opens Guayama branch - News is My Business](https://news.google.com/rss/articles/CBMiYkFVX3lxTE9POURVQ0pPV2FpWHU0VTFyZ0NBcnBZOHhva29IU3ZKTlR6Y3hnVDk3aV9hamY2WDQtNldTdDE3cXdJNnloYTFxUGNxRUVQRGFGNklEenN4SnhENlpURURIVnVR?oc=5) · News is My Business
- 2025-02-05 [VAPR Federal Credit Union grants ‘Futuro Brillante’ scholarships - News is My Business](https://news.google.com/rss/articles/CBMilwFBVV95cUxOaWlVQW56cmRrQUFyVWJGNXVNcUpVczdEel9CLXo1U21EODVxNDRYYmduLVZCcmdxUEFNZ0hFR193LUdwZF9ObHdoczVYWmNhWjRYOTBKUGJkTTNTR1hLZ3VMb1Y2WW9YMlM1SnNwYjQ2akpFLU1sX0Zhb1hmQU82VW9sdUJPLUd5TDRZYkVGZmZkeTJnWFFr?oc=5) · News is My Business
- 2014-05-21 [VAPR Federal Credit Union opens new $9M HQs - News is My Business](https://news.google.com/rss/articles/CBMiX0FVX3lxTE5iSHR2T1VWbGtjVnpJWU1YVG9lOUhWVHhHRTBNUmpUTi1WLWxqR2xUYmpxekx0c3Zscmw2cUpmaEZVTXFjWi1sNGtGUlMyZ3lWZEFhX0doVi1vbXBlcS1n?oc=5) · News is My Business
- 2019-08-20 [P.R. Federal Credit Union becomes 1st on island to get U.S. Treasury certification - News is My Business](https://news.google.com/rss/articles/CBMirwFBVV95cUxOTHZyU0l1VV8wZzlLWWY3bXRMQUdOQUxSOFRDWDhrWk11QXZreUVoVHI4R2pyaDRTc29CUkRnTHJpV19pdUZvbzc2QnhJcmM3S0Nycmk3cEQ1djBkYzVJV2tReWg5eDN4eHZFZWgtdGlDcGZNSTNwM0lCZEc4bms4R1o0S3ctSVNJdWdrNXZPX3lfd2hjaDFJUEM3a1Z2TVlIM2tDejZjUFh4RnZhdEtN?oc=5) · News is My Business
- 2023-06-13 [CUNA Mutual Group announces name change to TruStage - News is My Business](https://news.google.com/rss/articles/CBMifEFVX3lxTE1jY1NnUFRReUJlX2RrTjN1Szk0MzVJOF9oWTJYUGJna3Y5SkdzQmpLQ192SlJ0RmxyeWJiYl9wWFIyb3lWR3RDeEZQbk9CNmN2X1RqMDdXWGp3Zm16Ym1LLUMxT21FaDdxVU10blBWaV9aU28yMTU4b1M1czQ?oc=5) · News is My Business
- 2020-08-04 [Sagrada Familia credit union invests $9M in new Naranjito branch, tech upgrade - News is My Business](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQbWpYU3pWNHVZeUtJZ3l6Y1h1b3hMOFZCY09TdUlvNTRkR3hNdUd5VU9qb2ViNkNTUk5zdW9wTHd5YWFpT2dEZE9fRGdDc01keW1UOHd4a2tTeEZKUFJxNlFneXo0NTdTU0E2UWhwbXFhSEhUR3hCMXp2LURUMHdsdHdCZlFLWmNFc1dfX3NGU3dsZ2M3YjBMdDFCX1J4b1Rrd1hTRnp0V1Q0QQ?oc=5) · News is My Business

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=6918 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/6.json (key "6918", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=6918
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide