Side-by-side · Q2 2026 data
St. Thomas Federal Credit Union vs Vitelco Employees Federal Credit Union
Credit union
St. Thomas Federal Credit Union
Charlotte Amali, U.S. Virgin Islands · Under $100 million in assets
Credit union
Vitelco Employees Federal Credit Union
Charlotte Amali, U.S. Virgin Islands · Under $100 million in assets
Metric by metric
| Measure | St. Thomas Federal Credit Union | Vitelco Employees Federal Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 19 |
| Capital cushion | 100 (stronger) | 1 |
| Loan quality | 70 (stronger) | 0 |
| Earnings | 44 (stronger) | 0 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 97 (stronger) | 41 |
| Peer percentile | 68th | 0th |
| Total assets | $90.0M | $1.6M |
| Deposits / shares | $70.3M | $1.5M |
| Capital ratio | 23.49% (stronger) | 5.14% |
| Problem loans | 0.89% (stronger) | 7.42% |
| Net charge-offs | 1.54% | -2.51% (stronger) |
| Return on assets | 0.60% (stronger) | -5.97% |
| Loans ÷ deposits | 56.5% | 29.6% (stronger) |
| Uninsured deposits | 2.6% | 0.0% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
St. Thomas Federal Credit Union has the higher TellerScore (81 vs 19). On the 7 directional measures above (where higher or lower is clearly better), St. Thomas Federal Credit Union leads on 4 and Vitelco Employees Federal Credit Union on 3. 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.