Side-by-side · Q2 2026 data
St. Thomas Federal Credit Union vs Christiansted Federal Credit Union
Credit union
St. Thomas Federal Credit Union
Charlotte Amali, U.S. Virgin Islands · Under $100 million in assets
Credit union
Christiansted Federal Credit Union
Christiansted, U.S. Virgin Islands · Under $100 million in assets
Metric by metric
| Measure | St. Thomas Federal Credit Union | Christiansted Federal Credit Union |
|---|---|---|
| TellerScore | 81 | 98 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 70 | 92 (stronger) |
| Earnings | 44 | 98 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 97 | 99 (stronger) |
| Peer percentile | 68th | 98th |
| Total assets | $90.0M | $34.0M |
| Deposits / shares | $70.3M | $26.9M |
| Capital ratio | 23.49% (stronger) | 20.63% |
| Problem loans | 0.89% | 0.23% (stronger) |
| Net charge-offs | 1.54% | 0.22% (stronger) |
| Return on assets | 0.60% | 1.96% (stronger) |
| Loans ÷ deposits | 56.5% | 45.3% (stronger) |
| Uninsured deposits | 2.6% | 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 81). On the 7 directional measures above (where higher or lower is clearly better), St. Thomas Federal Credit Union leads on 1 and Christiansted Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.