Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 8 Sep 2026 |
| RSSD ID | 229584 |
| Address | 2400 Carr 177, Guaynabo, PR 00969 Directions (Google Maps) |
| Website | Not given on the official list (listed as “Non given”) |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Not yet verifiedWe have not yet read this lender's website, so we can't list its loan products, sizes or service area. That doesn't mean it lacks them. The official list gives no website for this lender; contact it at the address above.
Questions to ask when you contact them
We have no details from their website yet, so these are the basics to ask any lender. Something missing here does not mean they don't offer it: ask.
- What kinds of loans do you make, and which one fits what I need?
We have no loan details from their website. - Do you lend where I live, or where my business is?
- How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
- What interest rate and fees should I expect? For a personal, car or home loan, ask for the APR.
- What documents will you need from me, and how long does a decision usually take?
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$1.1 million in 1 award from the U.S. Treasury's CDFI Fund, 2024 (CDFI Program, Financial Assistance).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Financial Assistance | $1,110,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as VAPR (charter 6918). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $315.6 million (as of 30 Jun 2026) |
|---|---|
| Members | 20,961 (as of 30 Jun 2026) |
| Offices | 3 (as of 30 Jun 2026) |
Offices by state and county (3)
Puerto Rico (3 offices)
- Guayama municipio (1): Street 54, Guayama 00785
- Guaynabo municipio (1): 2400 Carretera 177, Guaynabo 00969 (main office)
- San Juan municipio (1): 150 Ave Carlos Chardon, San Juan 00918
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by Vapr Federal Credit Union (NCUA charter 6918, filed as “VAPR”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $222.6 million, 12,205 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Up 16.1% from $191.8 million on 30 Jun 2025 |
| Members | 20,961 (as of 30 Jun 2026); 20,568 (as of 30 Jun 2025) |
| Loans per member | $10,620 (total loans divided by members, 30 Jun 2026) |
| Total assets | $315.6 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $120.3 million | 54.1% |
| Used vehicle loans | $25.8 million | 11.6% |
| First-lien home mortgages (1-4 family) | $19.5 million | 8.7% |
| Commercial (business) loans | $4.8 million | 2.1% |
| Credit cards | $4.1 million | 1.8% |
| Other unsecured loans | $45.2 million | 20.3% |
| Leases and other secured loans | $3 million | 1.3% |
None reported on the 30 Jun 2026 report: other real estate loans (junior liens, other).
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $315.6 million | Larger than 63% of the 284 other certified credit unions nationwide (median $181.2 million). |
| Loans as a share of assets | 71% | Median of the same 284 credit unions: 69%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $191.8 million → $222.6 million (+16%) | Median change of 282 other certified credit unions nationwide: +3%. Rank by loans held among these 283: 107 → 99. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified credit unions nationwide | 284 | larger than 63% |
| Loans held then vs now | certified credit unions nationwide reporting both dates | 282 | rank 107 → 99 of 283 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
Other certified CDFIs in Guaynabo and Puerto Rico
- Cooperativa A/C Empleados Municipales GuaynaboCredit union · Guaynabo, PRAuto / vehicle loans, Small-dollar / emergency loans, Personal / consumer loansVerified
- COOPERATIVA AHORRO Y CREDITO DE MOCACredit union · Moca, PRAuto / vehicle loans, Small-dollar / emergency loans, Energy / solar / efficiency loans, Home mortgages…Verified
- COOPERATIVA DE AHORRO Y CREDITO AGUADILLACredit union · Aguadilla, PRAuto / vehicle loansVerified
- COOPERATIVA DE AHORRO Y CREDITO CUPEY ALTOCredit union · Cupey Alto, PRAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
- COOPERATIVA DE AHORRO Y CREDITO DE LA FEDERACION DE MAESTROS DE PUERTO RICO (FEDECOOP)Credit union · Rio Piedras, PRAuto / vehicle loans, Small-dollar / emergency loans, Personal / consumer loansVerified
- COOPERATIVA DE AHORRO Y CREDITO NAGUABENACredit union · Naguabo, PRAuto / vehicle loans, Small-dollar / emergency loans, Home mortgages, Personal / consumer loansVerified
Work at Vapr Federal Credit Union? Link to this page
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