TellerScore

Mid-Island Federal Credit Union is a federal credit union headquartered in Christiansted, U.S. Virgin Islands, in business for about 45 years. At the end of Q2 2026 it reported $17.9M in total assets and $15.6M in member shares and deposits, with 2 offices.

Mid-Island Federal Credit Union has a TellerScore of 65 out of 100 (moderate) based on Q2 2026 data — higher than only 30% of its 2,479 credit unions with under $100 million in assets. Among 5 credit unions headquartered in U.S. Virgin Islands, it ranks 4th. Funding & liquidity contributes the most (100/100, 32% loans-to-deposits, 0% uninsured); earnings contributes the least (17/100, -0.08%).

TellerScore · Q2 2026

Scorecard

Capital cushion51/100
Net worth ratio: 10.05%
Loan quality86/100
Loans 60+ days delinquent ÷ total loans: 0.41%
Earnings17/100
Return on assets (annualized): -0.08%
Funding & liquidity100/100
Loans ÷ shares: 31.9% · 0.0% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.13%

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 fell 6 points (71 → 65), mostly because the earnings component weakened by 74 points.

TellerScore
627179Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202464
Q3 202462
Q4 202473
Q1 202568
Q2 202571
Q3 202572
Q4 202579
Q1 202664
Q2 202665
Net worth ratio
7.00%8.61%10.22%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 20248.42%
Q3 20248.97%
Q4 20249.21%
Q1 20259.10%
Q2 20259.47%
Q3 20259.96%
Q4 202510.22%
Q1 202610.06%
Q2 202610.05%
Delinquent loans (60+ days)
0.19%0.90%1.60%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20241.02%
Q3 20241.41%
Q4 20240.53%
Q1 20251.60%
Q2 20251.19%
Q3 20251.37%
Q4 20250.38%
Q1 20260.19%
Q2 20260.41%
Return on assets
-0.45%0.74%1.93%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.16%
Q3 20241.12%
Q4 20241.34%
Q1 20251.93%
Q2 20251.78%
Q3 20251.91%
Q4 20251.65%
Q1 2026-0.45%
Q2 2026-0.08%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202665$17.9M10.05%0.41%-0.08%31.9%
Q1 202664$18.2M10.06%0.19%-0.45%32.0%
Q4 202579$18.1M10.22%0.38%1.65%31.4%
Q3 202572$18.2M9.96%1.37%1.91%29.5%
Q2 202571$18.3M9.47%1.19%1.78%27.5%
Q1 202568$18.3M9.10%1.60%1.93%25.7%
Q4 202473$16.9M9.21%0.53%1.34%27.9%
Q3 202462$17.0M8.97%1.41%1.12%28.8%
Q2 202464$17.1M8.42%1.02%1.16%29.6%

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 ratio10.05%
17th
Problem loans0.41%
63rd
Net charge-offs0.63%
23rd
Return on assets-0.08%
17th
Loans to deposits31.9%
87th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio1.1%
64th

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

InstitutionScoreAssetsCapitalProblem loansCompare
Frederiksted Federal Credit UnionCredit union Frederiksted, VI89 out of 100, Very strong$24.1M17.5%1.26%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 Mid-Island Federal Credit Union?

Yes. Mid-Island Federal Credit Union is a federally insured credit union (NCUA charter #23811). 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 0.0% of shares and deposits ($0) 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 10.05%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Mid-Island Federal Credit Union lists 2 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Mid-Island Federal Credit Union
Type
Federal credit union
NCUA charter #
23811
RSSD ID
854593
Primary regulator
NCUA
Established
1981
Headquarters
P O Box 5398, Christiansted, VI 00823
Employees
6

Quick answers

Mid-Island Federal Credit Union: common questions

Is Mid-Island Federal Credit Union NCUA insured?

Yes. Mid-Island Federal Credit Union is a federally insured credit union (NCUA charter #23811). 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 Mid-Island Federal Credit Union's TellerScore?

65 out of 100 (Moderate), 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 Mid-Island Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Christiansted

InstitutionScoreAssetsCapitalProblem loansCompare
Christiansted Federal Credit UnionCredit union Christiansted, VI98 out of 100, Very strong$34.0M20.6%0.23%vs
Frederiksted Federal Credit UnionCredit union Frederiksted, VI89 out of 100, Very strong$24.1M17.5%1.26%vs
FirstBank Puerto RicoBank Santurce, PR72 out of 100, Strong$19.2B11.5%0.90%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