VAPR

Charter #6918 | PR

100M-500M (1077 CUs) Micro
2 100M-500M in PR

VAPR demonstrates 11 strengths

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 1.8% in tier
  • + Organic Growth Engine: Top 5.5% in tier
  • + Organic Growth Leader: Top 9.8% in tier
  • + Relationship Depth Leader: Top 20.0% in tier
  • + ROA 0.37% above tier average
  • + Net Interest Margin 0.40% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Loan Growth Rate: Top 1.7% in tier
  • + AMR Growth Rate: Top 3.7% in tier
  • + Total Delinquency Rate (60+ days): Top 7.7% in tier
  • + Efficiency Ratio: Top 8.3% in tier

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (PR) National Avg Tier Percentile
Members 20,568
+3.7% YoY0% QoQ
 +4.9K 15,628
-3.4% YoY
 27,493
+32.9% YoY
 33,089
+6.1% YoY
 Top 23.1% in tier
Assets $298.2M
+9.7% YoY+2.4% QoQ
 +$66.9M $231.3M
-0.0% YoY
 $309.3M
+29.1% YoY
 $547.7M
+7.8% YoY
 73rd in tier
Loans $196.0M
+34.6% YoY+2.2% QoQ
 +$48.2M $147.8M
-1.4% YoY
 $237.2M
+42.6% YoY
 $388.7M
+8.6% YoY
 74th in tier
Deposits $269.3M
+9.1% YoY+2.2% QoQ
 +$69.0M $200.3M
-0.0% YoY
 $275.0M
+28.7% YoY
 $464.6M
+9.3% YoY
 Top 24.6% in tier
ROA 1.2%
+34.7% YoY-23.3% QoQ
 +0.4% 0.8%
+15.5% YoY
 0.9%
+59.4% YoY
 0.7%
+273.4% YoY
 Top 24.0% in tier
NIM 4.0%
+2.2% YoY-0.3% QoQ
 +0.4% 3.6%
+6.9% YoY
 5.0%
+16.0% YoY
 3.7%
+5.0% YoY
 72nd in tier
Efficiency Ratio 59.9%
-9.2% YoY+4.8% QoQ
 -17.4% 77.3%
-3.0% YoY
 59.3%
-20.7% YoY
 79.1%
-3.3% YoY
 Bottom 8.3% in tier
Delinquency Rate 0.1%
-31.0% YoY-24.6% QoQ
 -0.7 0.9%
+7.6% YoY
 1.3%
+60.6% YoY
 1.2%
-0.9% YoY
 Bottom 7.7% in tier
Loan To Share 72.8%
+23.4% YoY+0.0% QoQ
 +0.1% 72.7%
-1.5% YoY
 82.4%
+18.0% YoY
 68.0%
-1.7% YoY
 46th in tier
AMR $22,621
+14.4% YoY+2.2% QoQ
 $-2K $24,363
+2.9% YoY
 $15,116
+8.6% YoY
 $19,418
+1.3% YoY
 51st in tier
CD Concentration 34.3%
+14.4% YoY+3.2% QoQ
 +9.9% 24.4%
+4.2% YoY
 27.0%
+23.6% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 0.0% 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (4)

Wallet Share Momentum

growth
#50 of 1006 • Top 1.8% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 14.37%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Organic Growth Engine

growth
#102 of 603 • Top 5.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 3.65%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 1.16%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 0.00%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Organic Growth Leader

growth
#130 of 430 • Top 9.8% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 3.65%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 1077 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank improving

Relationship Depth Leader

growth
#551 of 1006 • Top 20.0% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 14.37%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $776.74
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Concerns (0)

No concerns identified

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 1077 peers in tier

Top Strengths (12 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
19
Loan Growth Rate
growth
Value: 34.61%
Peer Avg: 3.45%
#19 of 1077 Top 1.7% in 100M-500M tier
41
AMR Growth Rate
growth
Value: 14.37%
Peer Avg: 3.64%
#41 of 1077 Top 3.7% in 100M-500M tier
84
Total Delinquency Rate (60+ days)
risk
Value: 0.15%
Peer Avg: 0.86%
#84 of 1077 Top 7.7% in 100M-500M tier
90
Efficiency Ratio
profitability
Value: 59.91%
Peer Avg: 77.28%
#90 of 1077 Top 8.3% in 100M-500M tier
113
First Mortgage Concentration (%)
balance_sheet
Value: 8.05%
Peer Avg: 30.43%
#113 of 1077 Top 10.4% in 100M-500M tier
129
Asset Growth Rate
growth
Value: 9.72%
Peer Avg: 4.70%
#129 of 1077 Top 11.9% in 100M-500M tier
158
Member Growth Rate
growth
Value: 3.65%
Peer Avg: 0.72%
#158 of 1077 Top 14.6% in 100M-500M tier
161
Deposit Growth Rate
growth
Value: 9.07%
Peer Avg: 4.69%
#161 of 1077 Top 14.9% in 100M-500M tier
249
Total Members
engagement
Value: 20,568
Peer Avg: 15,628
#249 of 1077 Top 23.0% in 100M-500M tier

Top Weaknesses (2 metrics)

896
Share Certificate Concentration (%)
balance_sheet
Value: 34.26%
Peer Avg: 23.61%
#896 of 1077 Bottom 16.9% in 100M-500M tier
844
Net Charge-Off Rate
risk
Value: 0.67%
Peer Avg: 0.47%
#844 of 1077 Bottom 21.7% in 100M-500M tier