Side-by-side · Q2 2026 data
Christiansted Federal Credit Union vs Phi Beta Sigma Federal Credit Union
Credit union
Christiansted Federal Credit Union
Christiansted, U.S. Virgin Islands · Under $100 million in assets
Credit union
Phi Beta Sigma Federal Credit Union
Washington, District of Columbia · Under $100 million in assets
Metric by metric
| Measure | Christiansted Federal Credit Union | Phi Beta Sigma Federal Credit Union |
|---|---|---|
| TellerScore | 98 (stronger) | 49 |
| Capital cushion | 100 (stronger) | 51 |
| Loan quality | 92 (stronger) | 0 |
| Earnings | 98 (stronger) | 94 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 99 (stronger) | 0 |
| Peer percentile | 98th | 8th |
| Total assets | $34.0M | $991K |
| Deposits / shares | $26.9M | $895K |
| Capital ratio | 20.63% (stronger) | 10.06% |
| Problem loans | 0.23% (stronger) | 13.69% |
| Net charge-offs | 0.22% (stronger) | 5.75% |
| Return on assets | 1.96% (stronger) | 1.84% |
| Loans ÷ deposits | 45.3% (stronger) | 50.6% |
| Uninsured deposits | 1.0% | 0.0% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Christiansted Federal Credit Union has the higher TellerScore (98 vs 49). On the 7 directional measures above (where higher or lower is clearly better), Christiansted Federal Credit Union leads on 6 and Phi Beta Sigma Federal Credit Union on 1. 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.