Headquartered in Christiansted, U.S. Virgin Islands, Christiansted Federal Credit Union is a federal credit union with $34.0M in total assets and $26.9M in member shares and deposits as of Q2 2026. It operates 3 offices across 2 states. Its charter dates back to 1952.
Christiansted Federal Credit Union has a TellerScore of 98 out of 100 (very strong) based on Q2 2026 data — higher than 98% of its 2,479 credit unions with under $100 million in assets. Among 5 credit unions headquartered in U.S. Virgin Islands, it ranks 1st. Capital cushion contributes the most (100/100, 20.63%); loan quality contributes the least (92/100, 0.23%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 3 points (95 → 98), mostly because the earnings component improved by 13 points.
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| Quarter | TellerScore |
|---|---|
| Q2 2024 | 94 |
| Q3 2024 | 93 |
| Q4 2024 | 97 |
| Q1 2025 | 93 |
| Q2 2025 | 95 |
| Q3 2025 | 93 |
| Q4 2025 | 97 |
| Q1 2026 | 100 |
| Q2 2026 | 98 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 18.73% |
| Q3 2024 | 18.95% |
| Q4 2024 | 19.40% |
| Q1 2025 | 18.97% |
| Q2 2025 | 19.48% |
| Q3 2025 | 19.62% |
| Q4 2025 | 19.94% |
| Q1 2026 | 20.31% |
| Q2 2026 | 20.63% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.28% |
| Q3 2024 | 0.29% |
| Q4 2024 | 0.02% |
| Q1 2025 | 0.16% |
| Q2 2025 | 0.21% |
| Q3 2025 | 0.49% |
| Q4 2025 | 0.04% |
| Q1 2026 | 0.02% |
| Q2 2026 | 0.23% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.58% |
| Q3 2024 | 1.50% |
| Q4 2024 | 1.63% |
| Q1 2025 | 1.25% |
| Q2 2025 | 1.63% |
| Q3 2025 | 1.64% |
| Q4 2025 | 1.63% |
| Q1 2026 | 2.00% |
| Q2 2026 | 1.96% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 98 | $34.0M | 20.63% | 0.23% | 1.96% | 45.3% |
| Q1 2026 | 100 | $33.7M | 20.31% | 0.02% | 2.00% | 45.7% |
| Q4 2025 | 97 | $33.5M | 19.94% | 0.04% | 1.63% | 45.3% |
| Q3 2025 | 93 | $33.4M | 19.62% | 0.49% | 1.64% | 44.1% |
| Q2 2025 | 95 | $32.9M | 19.48% | 0.21% | 1.63% | 42.7% |
| Q1 2025 | 93 | $32.9M | 18.97% | 0.16% | 1.25% | 41.8% |
| Q4 2024 | 97 | $31.7M | 19.40% | 0.02% | 1.63% | 42.0% |
| Q3 2024 | 93 | $31.7M | 18.95% | 0.29% | 1.50% | 40.4% |
| Q2 2024 | 94 | $31.5M | 18.73% | 0.28% | 1.58% | 39.8% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in U.S. Virgin Islands
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Frederiksted Federal Credit UnionCredit union Frederiksted, VI | 89 out of 100, Very strong | $24.1M | 17.5% | 1.26% | vs |
| Mid-Island Federal Credit UnionCredit union Christiansted, VI | 65 out of 100, Moderate | $17.9M | 10.1% | 0.41% | vs |
| Vitelco Employees Federal Credit UnionCredit union Charlotte Amali, VI | 19 out of 100, Low | $1.6M | 5.1% | 7.42% | vs |
| St. Thomas Federal Credit UnionCredit union Charlotte Amali, VI | 81 out of 100, Strong | $90.0M | 23.5% | 0.89% | vs |
Deposit insurance
Is my money safe at Christiansted Federal Credit Union?
Yes. Christiansted Federal Credit Union is a federally insured credit union (NCUA charter #7989). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 1.0% of shares and deposits ($260K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 20.63%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
3 locations
Branches
Christiansted Federal Credit Union lists 3 offices in 2 cities across 2 states. Most locations:
- Fairfax, VA (2)
- Christiansted, VI (1)
Identity & history
Profile
- Legal name
- Christiansted Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 7989
- RSSD ID
- 547587
- Primary regulator
- NCUA
- Established
- 1952
- Headquarters
- P.O. Box 490, Christiansted, VI 00821
- Employees
- 5
Quick answers
Christiansted Federal Credit Union: common questions
Is Christiansted Federal Credit Union NCUA insured?
Yes. Christiansted Federal Credit Union is a federally insured credit union (NCUA charter #7989). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Christiansted Federal Credit Union's TellerScore?
98 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Christiansted Federal Credit Union have?
3 offices as of the latest NCUA data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Christiansted
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Frederiksted Federal Credit UnionCredit union Frederiksted, VI | 89 out of 100, Very strong | $24.1M | 17.5% | 1.26% | vs |
| FirstBank Puerto RicoBank Santurce, PR | 72 out of 100, Strong | $19.2B | 11.5% | 0.90% | vs |
| Mid-Island Federal Credit UnionCredit union Christiansted, VI | 65 out of 100, Moderate | $17.9M | 10.1% | 0.41% | vs |
| United Fidelity Bank, fsbBank Evansville, IN | 64 out of 100, Moderate | $6.5B | 10.2% | 0.49% | vs |
| Oriental BankBank San Juan, PR | 61 out of 100, Moderate | $12.0B | 10.6% | 1.59% | vs |
| Banco Popular de Puerto RicoBank San Juan, PR | 42 out of 100, Below average | $63.3B | 7.5% | 2.40% | vs |