Side-by-side · Q2 2026 data
Merchants Commercial Bank vs St. Thomas Federal Credit Union
Credit union
St. Thomas Federal Credit Union
Charlotte Amali, U.S. Virgin Islands · Under $100 million in assets
Metric by metric
| Measure | Merchants Commercial Bank | St. Thomas Federal Credit Union |
|---|---|---|
| TellerScore | 67 | 81 (stronger) |
| Capital cushion | 58 | 100 (stronger) |
| Loan quality | 41 | 70 (stronger) |
| Earnings | 96 (stronger) | 44 |
| Funding & liquidity | 84 | 100 (stronger) |
| Problem-loan coverage | 76 | 97 (stronger) |
| Peer percentile | 34th | 68th |
| Total assets | $506.0M | $90.0M |
| Deposits / shares | $393.7M | $70.3M |
| Capital ratio | 10.79% | 23.49% (stronger) |
| Problem loans | 1.76% | 0.89% (stronger) |
| Net charge-offs | -0.00% (stronger) | 1.54% |
| Return on assets | 1.91% (stronger) | 0.60% |
| Loans ÷ deposits | 59.6% | 56.5% (stronger) |
| Uninsured deposits | 29.8% | 2.6% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
St. Thomas Federal Credit Union has the higher TellerScore (81 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Merchants Commercial Bank leads on 2 and St. Thomas 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.