Side-by-side · Q2 2026 data
State Department Federal Credit Union vs Christiansted Federal Credit Union
Credit union
State Department Federal Credit Union
Alexandria, Virginia · $1 billion – $10 billion
Credit union
Christiansted Federal Credit Union
Christiansted, U.S. Virgin Islands · Under $100 million in assets
Metric by metric
| Measure | State Department Federal Credit Union | Christiansted Federal Credit Union |
|---|---|---|
| TellerScore | 65 | 98 (stronger) |
| Capital cushion | 58 | 100 (stronger) |
| Loan quality | 71 | 92 (stronger) |
| Earnings | 40 | 98 (stronger) |
| Funding & liquidity | 87 | 100 (stronger) |
| Problem-loan coverage | 91 | 99 (stronger) |
| Peer percentile | 41st | 98th |
| Total assets | $2.9B | $34.0M |
| Deposits / shares | $2.4B | $26.9M |
| Capital ratio | 10.78% | 20.63% (stronger) |
| Problem loans | 0.86% | 0.23% (stronger) |
| Net charge-offs | 0.61% | 0.22% (stronger) |
| Return on assets | 0.49% | 1.96% (stronger) |
| Loans ÷ deposits | 65.5% | 45.3% (stronger) |
| Uninsured deposits | 22.2% | 1.0% (stronger) |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 33.1% | — |
Christiansted Federal Credit Union has the higher TellerScore (98 vs 65). On the 7 directional measures above (where higher or lower is clearly better), State Department 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.