Side-by-side · Q2 2026 data
Founders Bank vs Christiansted Federal Credit Union
Credit union
Christiansted Federal Credit Union
Christiansted, U.S. Virgin Islands · Under $100 million in assets
Metric by metric
| Measure | Founders Bank | Christiansted Federal Credit Union |
|---|---|---|
| TellerScore | 77 | 98 (stronger) |
| Capital cushion | 92 | 100 (stronger) |
| Loan quality | 100 (stronger) | 92 |
| Earnings | 42 | 98 (stronger) |
| Funding & liquidity | 40 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 68th | 98th |
| Total assets | $406.0M | $34.0M |
| Deposits / shares | $334.7M | $26.9M |
| Capital ratio | 14.18% | 20.63% (stronger) |
| Problem loans | 0.00% (stronger) | 0.23% |
| Net charge-offs | 0.00% (stronger) | 0.22% |
| Return on assets | 0.54% | 1.96% (stronger) |
| Loans ÷ deposits | 99.6% | 45.3% (stronger) |
| Uninsured deposits | 33.9% | 1.0% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Christiansted Federal Credit Union has the higher TellerScore (98 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Founders Bank leads on 2 and Christiansted Federal Credit Union on 5. 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.