Vitelco Employees Federal Credit Union is a federal credit union headquartered in Charlotte Amali, U.S. Virgin Islands, in business for about 47 years. At the end of Q2 2026 it reported $1.6M in total assets and $1.5M in member shares and deposits, with 2 offices.
Based on its Q2 2026 filing, Vitelco Employees Federal Credit Union scores 19/100, which we describe as low. That is higher than only 0% of 2,479 credit unions with under $100 million in assets. Among 5 credit unions headquartered in U.S. Virgin Islands, it ranks 5th. Its strongest component is funding & liquidity (100/100; 30% loans-to-deposits, 0% uninsured), and its lowest is earnings (0/100; -5.97%).
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 fell 34 points (53 → 19), mostly because the loan quality component weakened by 79 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 39 |
| Q3 2024 | 58 |
| Q4 2024 | 64 |
| Q1 2025 | 41 |
| Q2 2025 | 53 |
| Q3 2025 | 32 |
| Q4 2025 | 29 |
| Q1 2026 | 23 |
| Q2 2026 | 19 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 10.35% |
| Q3 2024 | 9.02% |
| Q4 2024 | 10.54% |
| Q1 2025 | 8.93% |
| Q2 2025 | 7.85% |
| Q3 2025 | 6.50% |
| Q4 2025 | 7.06% |
| Q1 2026 | 5.28% |
| Q2 2026 | 5.14% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 5.94% |
| Q3 2024 | 0.44% |
| Q4 2024 | 0.30% |
| Q1 2025 | 2.40% |
| Q2 2025 | 0.64% |
| Q3 2025 | 2.51% |
| Q4 2025 | 3.98% |
| Q1 2026 | 5.54% |
| Q2 2026 | 7.42% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -3.97% |
| Q3 2024 | -3.62% |
| Q4 2024 | -2.43% |
| Q1 2025 | -4.81% |
| Q2 2025 | -4.56% |
| Q3 2025 | -4.16% |
| Q4 2025 | -3.81% |
| Q1 2026 | -6.96% |
| Q2 2026 | -5.97% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 19 | $1.6M | 5.14% | 7.42% | -5.97% | 29.6% |
| Q1 2026 | 23 | $1.6M | 5.28% | 5.54% | -6.96% | 25.3% |
| Q4 2025 | 29 | $1.6M | 7.06% | 3.98% | -3.81% | 26.3% |
| Q3 2025 | 32 | $1.8M | 6.50% | 2.51% | -4.16% | 23.0% |
| Q2 2025 | 53 | $1.7M | 7.85% | 0.64% | -4.56% | 23.6% |
| Q1 2025 | 41 | $1.7M | 8.93% | 2.40% | -4.81% | 23.9% |
| Q4 2024 | 64 | $1.6M | 10.54% | 0.30% | -2.43% | 25.3% |
| Q3 2024 | 58 | $1.8M | 9.02% | 0.44% | -3.62% | 23.3% |
| Q2 2024 | 39 | $1.7M | 10.35% | 5.94% | -3.97% | 25.3% |
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).
Similar-size credit unions in U.S. Virgin Islands
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Mid-Island Federal Credit UnionCredit union Christiansted, VI | 65 out of 100, Moderate | $17.9M | 10.1% | 0.41% | vs |
| Frederiksted Federal Credit UnionCredit union Frederiksted, VI | 89 out of 100, Very strong | $24.1M | 17.5% | 1.26% | vs |
| Christiansted Federal Credit UnionCredit union Christiansted, VI | 98 out of 100, Very strong | $34.0M | 20.6% | 0.23% | 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 Vitelco Employees Federal Credit Union?
Yes. Vitelco Employees Federal Credit Union is a federally insured credit union (NCUA charter #23294). 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 5.14%, below the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
Vitelco Employees Federal Credit Union lists 2 offices in 2 cities. Most locations:
- Charlotte Amalie, VI (1)
- Christiansted, St. Croix, VI (1)
Identity & history
Profile
- Legal name
- Vitelco Employees Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 23294
- RSSD ID
- 742588
- Primary regulator
- NCUA
- Established
- 1979
- Headquarters
- PO Box 303920, Charlotte Amali, VI 00803
- Employees
- 4
Quick answers
Vitelco Employees Federal Credit Union: common questions
Is Vitelco Employees Federal Credit Union NCUA insured?
Yes. Vitelco Employees Federal Credit Union is a federally insured credit union (NCUA charter #23294). 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 Vitelco Employees Federal Credit Union's TellerScore?
19 out of 100 (Low), 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 Vitelco Employees Federal Credit Union have?
2 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Charlotte Amali
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| St. Thomas Federal Credit UnionCredit union Charlotte Amali, VI | 81 out of 100, Strong | $90.0M | 23.5% | 0.89% | vs |
| FirstBank Puerto RicoBank Santurce, PR | 72 out of 100, Strong | $19.2B | 11.5% | 0.90% | vs |
| Merchants Commercial BankBank St Thomas, VI | 67 out of 100, Moderate | $506.0M | 10.8% | 1.76% | 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 |