Side-by-side · Q2 2026 data
City First Bank, National Association vs Christiansted Federal Credit Union
Bank
City First Bank, National Association
Washington, District of Columbia · $1 billion – $10 billion
Credit union
Christiansted Federal Credit Union
Christiansted, U.S. Virgin Islands · Under $100 million in assets
Metric by metric
| Measure | City First Bank, National Association | Christiansted Federal Credit Union |
|---|---|---|
| TellerScore | 61 | 98 (stronger) |
| Capital cushion | 82 | 100 (stronger) |
| Loan quality | 67 | 92 (stronger) |
| Earnings | 33 | 98 (stronger) |
| Funding & liquidity | 29 | 100 (stronger) |
| Problem-loan coverage | 89 | 99 (stronger) |
| Peer percentile | 24th | 98th |
| Total assets | $1.6B | $34.0M |
| Deposits / shares | $1.2B | $26.9M |
| Capital ratio | 13.20% | 20.63% (stronger) |
| Problem loans | 0.98% | 0.23% (stronger) |
| Net charge-offs | 0.06% (stronger) | 0.22% |
| Return on assets | 0.32% | 1.96% (stronger) |
| Loans ÷ deposits | 95.2% | 45.3% (stronger) |
| Uninsured deposits | 47.8% | 1.0% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
Christiansted Federal Credit Union has the higher TellerScore (98 vs 61). On the 7 directional measures above (where higher or lower is clearly better), City First Bank, National Association leads on 1 and Christiansted Federal Credit Union on 6. 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.