Side-by-side · Q2 2026 data
Christiansted Federal Credit Union vs Skypoint 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 | Skypoint Federal Credit Union |
|---|---|---|
| TellerScore | 98 (stronger) | 60 |
| Capital cushion | 100 (stronger) | 74 |
| Loan quality | 92 (stronger) | 46 |
| Earnings | 98 (stronger) | 43 |
| Funding & liquidity | 100 (stronger) | 62 |
| Problem-loan coverage | 99 (stronger) | 80 |
| Peer percentile | 98th | 21st |
| Total assets | $34.0M | $242.8M |
| Deposits / shares | $26.9M | $190.5M |
| Capital ratio | 20.63% (stronger) | 12.37% |
| Problem loans | 0.23% (stronger) | 1.61% |
| Net charge-offs | 0.22% (stronger) | 0.53% |
| Return on assets | 1.96% (stronger) | 0.57% |
| Loans ÷ deposits | 45.3% (stronger) | 98.0% |
| Uninsured deposits | 1.0% (stronger) | 6.3% |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 42.3% |
Christiansted Federal Credit Union has the higher TellerScore (98 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Christiansted Federal Credit Union leads on 7 and Skypoint 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.