Side-by-side · Q2 2026 data
Christiansted Federal Credit Union vs Mid-Island Federal Credit Union
Credit union
Christiansted Federal Credit Union
Christiansted, U.S. Virgin Islands · Under $100 million in assets
Credit union
Mid-Island Federal Credit Union
Christiansted, U.S. Virgin Islands · Under $100 million in assets
Metric by metric
| Measure | Christiansted Federal Credit Union | Mid-Island Federal Credit Union |
|---|---|---|
| TellerScore | 98 (stronger) | 65 |
| Capital cushion | 100 (stronger) | 51 |
| Loan quality | 92 (stronger) | 86 |
| Earnings | 98 (stronger) | 17 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 98th | 30th |
| Total assets | $34.0M | $17.9M |
| Deposits / shares | $26.9M | $15.6M |
| Capital ratio | 20.63% (stronger) | 10.05% |
| Problem loans | 0.23% (stronger) | 0.41% |
| Net charge-offs | 0.22% (stronger) | 0.63% |
| Return on assets | 1.96% (stronger) | -0.08% |
| Loans ÷ deposits | 45.3% | 31.9% (stronger) |
| Uninsured deposits | 1.0% | 0.0% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Christiansted Federal Credit Union has the higher TellerScore (98 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Christiansted Federal Credit Union leads on 5 and Mid-Island Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.