Side-by-side · Q2 2026 data
Paho/Who Federal Credit Union 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 | Paho/Who Federal Credit Union | Christiansted Federal Credit Union |
|---|---|---|
| TellerScore | 78 | 98 (stronger) |
| Capital cushion | 93 | 100 (stronger) |
| Loan quality | 79 | 92 (stronger) |
| Earnings | 33 | 98 (stronger) |
| Funding & liquidity | 94 | 100 (stronger) |
| Problem-loan coverage | 96 | 99 (stronger) |
| Peer percentile | 74th | 98th |
| Total assets | $325.8M | $34.0M |
| Deposits / shares | $273.1M | $26.9M |
| Capital ratio | 14.32% | 20.63% (stronger) |
| Problem loans | 0.64% | 0.23% (stronger) |
| Net charge-offs | 0.54% | 0.22% (stronger) |
| Return on assets | 0.32% | 1.96% (stronger) |
| Loans ÷ deposits | 55.1% | 45.3% (stronger) |
| Uninsured deposits | 20.2% | 1.0% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Christiansted Federal Credit Union has the higher TellerScore (98 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Paho/Who Federal Credit Union leads on 0 and Christiansted Federal Credit Union on 7. 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.