VAPR
Charter #6918 · San Juan, PR · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.15% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.06% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 59.20% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- On Cost of funds, the asset-size band puts this credit union at the 50th percentile but its structural peers at the 70th — a 21-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | VAPR | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $310.60M | 75th pct | 77th pct |
| Members | 20,707 | 79th pct | 74th pct |
| Net worth ratio | 10.90% | 41th pct | 43th pct |
| Return on average assets | 1.15% | 77th pct | 77th pct |
| Net interest margin | 4.14% | 79th pct | 74th pct |
| Cost of funds | 1.21% | 50th pct | 70th pct |
| Loan-to-share | 76.15% | 58th pct | 59th pct |
| Delinquency 60+ days | 0.06% | 4th pct | 8th pct |
| Net charge-off ratio | 0.29% | 43th pct | 41th pct |
| Loan growth YoY | 8.36% | 96th pct | 95th pct |
| Share growth YoY | 3.53% | 51th pct | 51th pct |
| Efficiency ratio | 59.20% | 8th pct | 5th pct |
structural peer set hash: 51bcc409c195f17ae1d22b570b127fca… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.