Side-by-side · Q2 2026 data
Christiansted Federal Credit Union vs Healthcare Systems Federal Credit Union
Credit union
Christiansted Federal Credit Union
Christiansted, U.S. Virgin Islands · Under $100 million in assets
Credit union
Healthcare Systems Federal Credit Union
Falls Church, Virginia · $100 million – $1 billion
Metric by metric
| Measure | Christiansted Federal Credit Union | Healthcare Systems Federal Credit Union |
|---|---|---|
| TellerScore | 98 (stronger) | 73 |
| Capital cushion | 100 (stronger) | 64 |
| Loan quality | 92 (stronger) | 84 |
| Earnings | 98 (stronger) | 42 |
| Funding & liquidity | 100 (stronger) | 99 |
| Problem-loan coverage | 99 (stronger) | 95 |
| Peer percentile | 98th | 60th |
| Total assets | $34.0M | $135.5M |
| Deposits / shares | $26.9M | $120.6M |
| Capital ratio | 20.63% (stronger) | 11.41% |
| Problem loans | 0.23% (stronger) | 0.49% |
| Net charge-offs | 0.22% (stronger) | 0.37% |
| Return on assets | 1.96% (stronger) | 0.54% |
| Loans ÷ deposits | 45.3% (stronger) | 61.6% |
| Uninsured deposits | 1.0% (stronger) | 1.6% |
| Offices | 3 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Christiansted Federal Credit Union has the higher TellerScore (98 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Christiansted Federal Credit Union leads on 7 and Healthcare Systems Federal Credit Union on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.