Side-by-side · Q2 2026 data
Vitelco Employees Federal Credit Union vs Mid-Island Federal Credit Union
Credit union
Vitelco Employees Federal Credit Union
Charlotte Amali, U.S. Virgin Islands · Under $100 million in assets
Credit union
Mid-Island Federal Credit Union
Christiansted, U.S. Virgin Islands · Under $100 million in assets
Metric by metric
| Measure | Vitelco Employees Federal Credit Union | Mid-Island Federal Credit Union |
|---|---|---|
| TellerScore | 19 | 65 (stronger) |
| Capital cushion | 1 | 51 (stronger) |
| Loan quality | 0 | 86 (stronger) |
| Earnings | 0 | 17 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 41 | 98 (stronger) |
| Peer percentile | 0th | 30th |
| Total assets | $1.6M | $17.9M |
| Deposits / shares | $1.5M | $15.6M |
| Capital ratio | 5.14% | 10.05% (stronger) |
| Problem loans | 7.42% | 0.41% (stronger) |
| Net charge-offs | -2.51% (stronger) | 0.63% |
| Return on assets | -5.97% | -0.08% (stronger) |
| Loans ÷ deposits | 29.6% (stronger) | 31.9% |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Mid-Island Federal Credit Union has the higher TellerScore (65 vs 19). On the 6 directional measures above (where higher or lower is clearly better), Vitelco Employees Federal Credit Union leads on 2 and Mid-Island Federal Credit Union on 4. 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.