2024 Overview
General Credit Union Information
Vapr is an NCUA insured institution located in San Juan, PR. It was founded in 1950 and has approximately $248.65 millions in assets.
Who can join?
The Credit Union has been authorized by the regulating agency NCUA to expand its members field in order to offer an opportunity to people from other groups to become a part of VAPR Federal Credit Union.
Here are the existing groups:
• Members of American Legion
• Members of Paralyzed Veterans of America (PVA)
• Alpha Chemical Dist.
• American Parking System
• Brink’s Puerto Rico Inc.
• Cardiovascular Center for Puerto Rico and the Caribbean
• Ciber Tech, Inc.
• Cataño Lions Club
• Spouses, the immediate family, and employees of the Credit Union
• Court Security Officers
• DB and W Services Corp.
• Duran Truck Shop
• El San Juan Corporation
• Widows of Credit Union members
• EDUPRO, Inc.
• F. Berrios, S.E.
• Federico Degetau Federal Building Customer Agencies
• Fuster + Partners Architects, PSC.
• Galderma Laboratories
• Helvetia Del Caribe
• Hilton International Hotels
• Infocard Technology System
• Island Wide Group
• MSL Puerto Rico, Inc.
• National Association of Retired Federal Employees
• La Piccola Fontana Restaurant and El Mezzanie Restaurant
• San Juan Bay Marina
• U.S. Coast Guard Auxiliary Division 1
• U.S. Coast Guard District in the Caribbean
• U.S. Veteran Administration
• Voluntary Service Veterans Admin. Medical Center
• Olas Health Bar
• Morales Services, Inc.
• Recinto de Ciencias Médicas
• San Juan Marriot
• Sheraton Old San Juan
• Employees of Women Veteran of America- Puerto Rico Chapter #25
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 6918 |
| Date Established | 1950 |
| Assets | $248.65 million |
| Loans | $127.55 million |
| Deposits | $228.50 million |
| Capital | $26.99 million |
Field of Membership Restrictions
To be a member of the Credit Union is a privilege granted only to employees of our group of associates and to relatives of our current members.
Deposit Rates - April 19, 2024
Your Current Location: Ohio, OH 43085
We do not yet have rates for Vapr
We're working to get deposit rates for every credit union in the world. Please bare with us until we are able to get rates for this credit union.
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Loan Rates - April 19, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Vapr
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 2059741 |
6.994% | 6.875% | 0.63 | $3,901 | $2,103 | Learn More |
NMLS ID: 3030 |
7.451% | 7.375% | 0.75 | $2,400 | $2,211 | Learn More |
NMLS ID: Not a Lender |
Learn More | |||||
NMLS ID: 491986 |
Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
7.490 %
|
$0 |
Learn More
More Info |
Note to Vapr
To upload and update your bank's rates please register.
It is free to register and add rates.
Branches
Below are Vapr branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Climate Policy and Initiatives
VAPR is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Vapr Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Vapr. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Vapr | U.S. Average |
|---|---|
| 4.15% | 6.97 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of December 31, 2023, Vapr had $1,149,325 in non-current loans and $29,536 in owned assets. To cover these potential losses it had $26,993,665 in net worth and $1,395,421 in loans loss reserves. That gives it a Texas Ratio of 4.15%.
Net Worth
| Vapr | U.S. Average |
|---|---|
| 10.83% | 13.62% |
Vapr FCU has a net worth of 10.83% versus the BestCashCow average of 13.62. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Vapr
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