TellerScore

St. Thomas Federal Credit Union (NCUA charter #7970) is based in Charlotte Amali, U.S. Virgin Islands. Its Q2 2026 call report shows $90.0M in total assets and $70.3M in member shares and deposits and 1 office.

St. Thomas Federal Credit Union has a TellerScore of 81 out of 100 (strong) based on Q2 2026 data — higher than 68% of its 2,479 credit unions with under $100 million in assets. Among 5 credit unions headquartered in U.S. Virgin Islands, it ranks 3rd. Capital cushion contributes the most (100/100, 23.49%); earnings contributes the least (44/100, 0.60%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 23.49%
Loan quality70/100
Loans 60+ days delinquent ÷ total loans: 0.89%
Earnings44/100
Return on assets (annualized): 0.60%
Funding & liquidity100/100
Loans ÷ shares: 56.5% · 2.6% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.67%

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 7 points (74 → 81), mostly because the earnings component improved by 42 points.

TellerScore
748698Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202498
Q3 202496
Q4 202487
Q1 202577
Q2 202574
Q3 202580
Q4 202576
Q1 202683
Q2 202681
Net worth ratio
7.00%15.71%24.42%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202424.32%
Q3 202424.42%
Q4 202424.08%
Q1 202523.20%
Q2 202523.25%
Q3 202523.28%
Q4 202523.37%
Q1 202623.71%
Q2 202623.49%
Delinquent loans (60+ days)
0.24%0.70%1.15%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.24%
Q3 20240.35%
Q4 20240.36%
Q1 20250.36%
Q2 20250.68%
Q3 20250.42%
Q4 20250.94%
Q1 20261.15%
Q2 20260.89%
Return on assets
-1.76%0.10%1.95%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.95%
Q3 20241.92%
Q4 20240.71%
Q1 2025-1.76%
Q2 2025-0.45%
Q3 2025-0.04%
Q4 20250.02%
Q1 20261.09%
Q2 20260.60%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202681$90.0M23.49%0.89%0.60%56.5%
Q1 202683$89.1M23.71%1.15%1.09%56.6%
Q4 202576$89.3M23.37%0.94%0.02%57.7%
Q3 202580$89.7M23.28%0.42%-0.04%54.5%
Q2 202574$89.1M23.25%0.68%-0.45%55.3%
Q1 202577$88.5M23.20%0.36%-1.76%55.1%
Q4 202487$86.8M24.08%0.36%0.71%55.6%
Q3 202496$88.5M24.42%0.35%1.92%53.8%
Q2 202498$87.1M24.32%0.24%1.95%53.6%

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 ratio23.49%
86th
Problem loans0.89%
43rd
Net charge-offs1.54%
8th
Return on assets0.60%
47th
Loans to deposits56.5%
53rd
Uninsured deposits2.6%
39th
Loan-loss reserves0.00%
37th
Texas ratio1.7%
56th

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

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
Mid-Island Federal Credit UnionCredit union Christiansted, VI65 out of 100, Moderate$17.9M10.1%0.41%vs
Vitelco Employees Federal Credit UnionCredit union Charlotte Amali, VI19 out of 100, Low$1.6M5.1%7.42%vs

Deposit insurance

Is my money safe at St. Thomas Federal Credit Union?

Yes. St. Thomas Federal Credit Union is a federally insured credit union (NCUA charter #7970). 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 2.6% of shares and deposits ($1.9M) 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 23.49%, 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

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

All branch addresses and map

Identity & history

Profile

Legal name
St. Thomas Federal Credit Union
Type
Federal credit union
NCUA charter #
7970
RSSD ID
455187
Primary regulator
NCUA
Established
1952
Headquarters
P.O. Box 1138, Charlotte Amali, VI 00804
Employees
22

Quick answers

St. Thomas Federal Credit Union: common questions

Is St. Thomas Federal Credit Union NCUA insured?

Yes. St. Thomas Federal Credit Union is a federally insured credit union (NCUA charter #7970). 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 St. Thomas Federal Credit Union's TellerScore?

81 out of 100 (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 St. Thomas Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Charlotte Amali

InstitutionScoreAssetsCapitalProblem loansCompare
FirstBank Puerto RicoBank Santurce, PR72 out of 100, Strong$19.2B11.5%0.90%vs
Merchants Commercial BankBank St Thomas, VI67 out of 100, Moderate$506.0M10.8%1.76%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
Vitelco Employees Federal Credit UnionCredit union Charlotte Amali, VI19 out of 100, Low$1.6M5.1%7.42%vs