Side-by-side · Q2 2026 data
United Fidelity Bank, fsb vs Mid-Island Federal Credit Union
Credit union
Mid-Island Federal Credit Union
Christiansted, U.S. Virgin Islands · Under $100 million in assets
Metric by metric
| Measure | United Fidelity Bank, fsb | Mid-Island Federal Credit Union |
|---|---|---|
| TellerScore | 64 | 65 (stronger) |
| Capital cushion | 52 (stronger) | 51 |
| Loan quality | 84 | 86 (stronger) |
| Earnings | 16 | 17 (stronger) |
| Funding & liquidity | 98 | 100 (stronger) |
| Problem-loan coverage | 95 | 98 (stronger) |
| Peer percentile | 33rd | 30th |
| Total assets | $6.5B | $17.9M |
| Deposits / shares | $5.6B | $15.6M |
| Capital ratio | 10.16% (stronger) | 10.05% |
| Problem loans | 0.49% | 0.41% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.63% |
| Return on assets | -0.09% | -0.08% (stronger) |
| Loans ÷ deposits | 59.7% | 31.9% (stronger) |
| Uninsured deposits | 17.2% | 0.0% (stronger) |
| Offices | 22 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 37.5% | — |
Mid-Island Federal Credit Union has the higher TellerScore (65 vs 64). On the 7 directional measures above (where higher or lower is clearly better), United Fidelity Bank, fsb leads on 2 and Mid-Island 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.