Side-by-side · Q2 2026 data
Christiansted Federal Credit Union vs Apple Federal Credit Union
Credit union
Christiansted Federal Credit Union
Christiansted, U.S. Virgin Islands · Under $100 million in assets
Metric by metric
| Measure | Christiansted Federal Credit Union | Apple Federal Credit Union |
|---|---|---|
| TellerScore | 98 (stronger) | 76 |
| Capital cushion | 100 (stronger) | 59 |
| Loan quality | 92 (stronger) | 81 |
| Earnings | 98 (stronger) | 76 |
| Funding & liquidity | 100 (stronger) | 90 |
| Problem-loan coverage | 99 (stronger) | 93 |
| Peer percentile | 98th | 79th |
| Total assets | $34.0M | $5.7B |
| Deposits / shares | $26.9M | $4.8B |
| Capital ratio | 20.63% (stronger) | 10.93% |
| Problem loans | 0.23% (stronger) | 0.56% |
| Net charge-offs | 0.22% (stronger) | 0.55% |
| Return on assets | 1.96% (stronger) | 1.40% |
| Loans ÷ deposits | 45.3% (stronger) | 69.9% |
| Uninsured deposits | 1.0% (stronger) | 13.2% |
| Offices | 3 | 15 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 33.0% |
Christiansted Federal Credit Union has the higher TellerScore (98 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Christiansted Federal Credit Union leads on 7 and Apple Federal Credit Union on 0. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.