Sep, 30, 2025 — VAPR FEDERAL CREDIT UNION is a federal credit union headquartered in GUAYNABO, PR with 4 branch locations and about $298.25 million in total assets. Opened 76 years ago in 1950, VAPR FEDERAL CREDIT UNION has about 20,568 members and employs 67 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | VAPR FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 2400 Carretera 177 GUAYNABO, PR 00969 |
| Phone: | (787) 773-7600 |
| Fax: | (787) 773-7611 |
| Website: | https://www.vaprfcu.com |
| Branches: | 4 branch locations |
| Members: | 20,568 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 6918 |
|---|---|
| Membership Type: | Multiple common bond - Primarily health care |
| Corporate Credit Union: | No |
| Year Opened: | 1950 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $298,246,753 |
| CEO/Manager: | Jose E Ramos Monell |
| Chairperson: | Eduardo Ortega |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 20,919,538 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 15,772,891 |
| Unsecured Loans | 47,762,405 |
| Other Loans | 132,419,850 |
| TOTAL LOANS | 195,955,145 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -3,972,121 |
| Land And Building | 8,413,456 |
| Other Fixed Assets | 1,397,295 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 2,358,509 |
| All Other Assets | 164,615 |
| TOTAL ASSETS | 298,246,753 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 135,541 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 978,812 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 15,975,972 |
| Regular shares | 122,078,287 |
| All Other Shares & Deposits | 131,265,564 |
| TOTAL SHARES & DEPOSITS | 269,319,822 |
| TOTAL LIABILITIES | 270,460,552 |
| Regular Reserve | 0 |
| Other Reserves | -3,870,383 |
| Undivided Earnings | 31,656,584 |
| TOTAL EQUITY | 27,786,201 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 298,246,753 |
| INCOME & EXPENSE | |
| Loan Income | 8,897,057 |
| Investment Income | 2,356,121 |
| Other Income | 517,621 |
| Total Employee Compensation & Benefits | 2,587,077 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 3,952,209 |
| Non-operating Income & (Expense) | 1,049,249 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 1,817,356 |
| Cost of Funds | 2,452,376 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 2,558,078 |
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