U.S. Virgin Islands · Q2 2026 call reports
Safest banks & credit unions in U.S. Virgin Islands
1 banks and 5 credit unions are headquartered in U.S. Virgin Islands, holding $527.9M in deposits. Including out-of-state institutions, there are 27 branch locations in the state. The highest-scoring U.S. Virgin Islands-based bank is Merchants Commercial Bank (67/100); highest-scoring credit union is Christiansted Federal Credit Union (98/100). The median score across all of them is 74.
- Banks
- 1
- Credit unions
- 5
- Branches
- 27
- Failures since 1934
- 1latest Oct 24, 1975
1 headquartered here
U.S. Virgin Islands banks ranked by score
| Institution | Score | Assets | Capital | Problem loans |
|---|---|---|---|---|
| Merchants Commercial BankBank St Thomas | 67 out of 100, Moderate | $506.0M | 10.8% | 1.76% |
5 headquartered here
U.S. Virgin Islands credit unions ranked by score
| Institution | Score | Assets | Capital | Problem loans |
|---|---|---|---|---|
| Christiansted Federal Credit UnionCredit union Christiansted | 98 out of 100, Very strong | $34.0M | 20.6% | 0.23% |
| Frederiksted Federal Credit UnionCredit union Frederiksted | 89 out of 100, Very strong | $24.1M | 17.5% | 1.26% |
| St. Thomas Federal Credit UnionCredit union Charlotte Amali | 81 out of 100, Strong | $90.0M | 23.5% | 0.89% |
| Mid-Island Federal Credit UnionCredit union Christiansted | 65 out of 100, Moderate | $17.9M | 10.1% | 0.41% |
| Vitelco Employees Federal Credit UnionCredit union Charlotte Amali | 19 out of 100, Low | $1.6M | 5.1% | 7.42% |
Branch networks
Out-of-state institutions with the most U.S. Virgin Islands branches
| Institution | Score | Assets | Capital | Problem loans | VI branches |
|---|---|---|---|---|---|
| FirstBank Puerto RicoBank Santurce, PR | 72 out of 100, Strong | $19.2B | 11.5% | 0.90% | 7 |
| Banco Popular de Puerto RicoBank San Juan, PR | 42 out of 100, Below average | $63.3B | 7.5% | 2.40% | 7 |
| United Fidelity Bank, fsbBank Evansville, IN | 64 out of 100, Moderate | $6.5B | 10.2% | 0.49% | 2 |
| Oriental BankBank San Juan, PR | 61 out of 100, Moderate | $12.0B | 10.6% | 1.59% | 2 |
2 city pages
Banks by city in U.S. Virgin Islands
- Charlotte Amalie 5 institutions · 10 branches
- Christiansted 6 institutions · 10 branches
4 smaller places (below our 5-institution, 8-branch threshold for a separate page)
These places don't get a separate page; here is what's there.
- Frederiksted: 3 branches of 3 institutions
- St John: 2 branches of 2 institutions
- Christiansted, St. Croix: 1 branch of 1 institution
- St Thomas: 1 branch of 1 institution
FDIC records
Recent bank failures in U.S. Virgin Islands
- The Peoples Bank of the Virgin Islands, Charlotte Amalie — October 24, 1975; deposits assumed by 0