TellerScore

Headquartered in Frederiksted, U.S. Virgin Islands, Frederiksted Federal Credit Union is a federal credit union with $24.1M in total assets and $19.8M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1952.

Frederiksted Federal Credit Union has a TellerScore of 89 out of 100 (very strong) based on Q2 2026 data — higher than 87% of its 2,479 credit unions with under $100 million in assets. Among 5 credit unions headquartered in U.S. Virgin Islands, it ranks 2nd. Capital cushion contributes the most (100/100, 17.49%); loan quality contributes the least (58/100, 1.26%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 17.49%
Loan quality58/100
Loans 60+ days delinquent ÷ total loans: 1.26%
Earnings100/100
Return on assets (annualized): 2.06%
Funding & liquidity100/100
Loans ÷ shares: 33.1% · 0.3% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.01%

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 5 points (84 → 89), mostly because the loan quality component improved by 18 points.

TellerScore
778491Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202486
Q3 202477
Q4 202483
Q1 202591
Q2 202584
Q3 202578
Q4 202580
Q1 202679
Q2 202689
Net worth ratio
7.00%12.24%17.49%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.33%
Q3 202413.13%
Q4 202413.83%
Q1 202514.51%
Q2 202515.04%
Q3 202515.85%
Q4 202516.58%
Q1 202616.77%
Q2 202617.49%
Delinquent loans (60+ days)
0.63%1.59%2.55%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.63%
Q3 20241.92%
Q4 20241.48%
Q1 20250.90%
Q2 20251.79%
Q3 20252.55%
Q4 20252.31%
Q1 20262.37%
Q2 20261.26%
Return on assets
1.62%3.79%5.95%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.62%
Q3 20241.92%
Q4 20242.15%
Q1 20255.95%
Q2 20254.53%
Q3 20253.90%
Q4 20253.52%
Q1 20261.98%
Q2 20262.06%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202689$24.1M17.49%1.26%2.06%33.1%
Q1 202679$24.4M16.77%2.37%1.98%32.6%
Q4 202580$23.9M16.58%2.31%3.52%34.6%
Q3 202578$24.3M15.85%2.55%3.90%35.2%
Q2 202584$24.5M15.04%1.79%4.53%35.5%
Q1 202591$24.0M14.51%0.90%5.95%35.8%
Q4 202483$22.6M13.83%1.48%2.15%39.3%
Q3 202477$22.7M13.13%1.92%1.92%37.8%
Q2 202486$21.2M13.33%0.63%1.62%37.3%

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).

Capital ratio17.49%
67th
Problem loans1.26%
33rd
Net charge-offs1.64%
7th
Return on assets2.06%
95th
Loans to deposits33.1%
86th
Uninsured deposits0.3%
60th
Loan-loss reserves0.00%
37th
Texas ratio3.0%
42nd

Similar-size credit unions in U.S. Virgin Islands

InstitutionScoreAssetsCapitalProblem loansCompare
Mid-Island Federal Credit UnionCredit union Christiansted, VI65 out of 100, Moderate$17.9M10.1%0.41%vs
Christiansted Federal Credit UnionCredit union Christiansted, VI98 out of 100, Very strong$34.0M20.6%0.23%vs
Vitelco Employees Federal Credit UnionCredit union Charlotte Amali, VI19 out of 100, Low$1.6M5.1%7.42%vs
St. Thomas Federal Credit UnionCredit union Charlotte Amali, VI81 out of 100, Strong$90.0M23.5%0.89%vs

Deposit insurance

Is my money safe at Frederiksted Federal Credit Union?

Yes. Frederiksted Federal Credit Union is a federally insured credit union (NCUA charter #8069). 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 0.3% of shares and deposits ($62K) 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 17.49%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Frederiksted Federal Credit Union lists 1 office in 1 city. Most locations:

  • Frederiksted, VI (1)

All branch addresses and map

Identity & history

Profile

Legal name
Frederiksted Federal Credit Union
Type
Federal credit union
NCUA charter #
8069
RSSD ID
415088
Primary regulator
NCUA
Established
1952
Headquarters
PO Box 7, Frederiksted, VI 00841
Employees
8

Quick answers

Frederiksted Federal Credit Union: common questions

Is Frederiksted Federal Credit Union NCUA insured?

Yes. Frederiksted Federal Credit Union is a federally insured credit union (NCUA charter #8069). 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 Frederiksted Federal Credit Union's TellerScore?

89 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 Frederiksted Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Frederiksted

InstitutionScoreAssetsCapitalProblem loansCompare
Christiansted Federal Credit UnionCredit union Christiansted, VI98 out of 100, Very strong$34.0M20.6%0.23%vs
FirstBank Puerto RicoBank Santurce, PR72 out of 100, Strong$19.2B11.5%0.90%vs
Mid-Island Federal Credit UnionCredit union Christiansted, VI65 out of 100, Moderate$17.9M10.1%0.41%vs
United Fidelity Bank, fsbBank Evansville, IN64 out of 100, Moderate$6.5B10.2%0.49%vs
Oriental BankBank San Juan, PR61 out of 100, Moderate$12.0B10.6%1.59%vs
Banco Popular de Puerto RicoBank San Juan, PR42 out of 100, Below average$63.3B7.5%2.40%vs