Federal credit union · CHRISTIANSTED, U.S. Virgin Islands · NCUA charter #7989
CHRISTIANSTED
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $33.5M
- Total assets
- 3,380
- Members
- 20.3%
- Net-worth ratio
CHRISTIANSTED scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $33.5M; members 3,380; net-worth ratio 20.31%; health rank #1,188 of 4,374; healthier than 69th of scored peers.
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NCUA 5300 Call Report Masthead
#1,188 of 4,374 health · 2025Q4CHRISTIANSTED · health 89/100 · $33.5M · 2025Q4
Call Report peers
CHRISTIANSTED in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
CHRISTIANSTED vs every NCUA-scored credit union
CHRISTIANSTED sits in the busiest band, 85-89, alongside 857 other credit unions.
89 Top 31% higher than 69% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
CHRISTIANSTED: Call Report deltas vs peers
- Net Worth Ratio leads the peer set - 20.31% here, 14.86% peer average (+5.45 pp).
- Loan-to-Share Ratio trails the peer set - 45.31% here, 59.80% peer average (-14.49 pp).
CHRISTIANSTED in U.S. Virgin Islands
- U.S. Virgin Islands health ordinal: #3 of 5.
- By total assets, CHRISTIANSTED is #2 of 5 in U.S. Virgin Islands.
- Member book place in U.S. Virgin Islands: #2 of 5.
- One place up in U.S. Virgin Islands, St. Thomas (#2) scores 90/100, 1 point higher; one place down, FREDERIKSTED (#4) scores 78/100, 11 points lower.
CHRISTIANSTED: 2025Q4 → 2026Q1
CHRISTIANSTED: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.6% from $33.5M (2025Q4) to $33.7M (2026Q1).
- Net-worth ratio shifted +0.37 pp (19.94% → 20.31%).
20.31% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 89/100 score is built
CHRISTIANSTED gives up 11 points in total. Member Growth costs the most, 5.7 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.3 pts
- Loan-to-Share Ratio 9.7 pts
Call Report ratios for CHRISTIANSTED
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 20.31% | +5.45 pp |
| Delinquency Rate | 0.04% | -1.11 pp |
| Return on Assets | 1.54% | +0.84 pp |
| Member Growth | 0.27% | - |
| Loan-to-Share Ratio | 45.31% | -14.49 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
CHRISTIANSTED filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $33.7M | - |
| 2025Q4 | $33.5M | 3,380 |
| 2024Q4 | $31.7M | 3,371 |
| 2023Q4 | $30.8M | 3,355 |
Credit Union Details
- Charter Number
- 7989
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $10M–$50M
- State
- U.S. Virgin Islands
- City
- CHRISTIANSTED
- Data Quarter
- 2025Q4
Branch Locations (3)
CHRISTIANSTED operates 3 offices across 2 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| CHRISTIANSTED FEDERAL CREDIT UNION (Main Office) | CHRISTIANSTED, VI |
| FEDCOMP, INC. | FAIRFAX, VA |
| FEDCOMP, INC. | FAIRFAX, VA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in U.S. Virgin Islands
More federally-insured credit unions based in U.S. Virgin Islands, ordered by peer group match and asset size.
CHRISTIANSTED nationwide neighbourhoods
Similar total assets
Using this data
- CHRISTIANSTED ranks #1,188 of 4,374 nationally on financial health and #3 of 5 in VI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- FREDERIKSTED is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with FREDERIKSTED
Frequently Asked Questions
Is CHRISTIANSTED financially healthy?
CHRISTIANSTED has a financial health score of 89/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,188 of 4,374 nationally on health and #3 of 5 in U.S. Virgin Islands. Its net worth ratio is 20.31% and its delinquency rate 0.04%.
How does CHRISTIANSTED compare to other credit unions?
CHRISTIANSTED scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (20.31% vs 14.86%). Its widest shortfall is loan-to-share ratio (45.31% vs 59.80%).
How can I join CHRISTIANSTED?
CHRISTIANSTED carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact CHRISTIANSTED directly to confirm current membership steps.
Is my money safe at CHRISTIANSTED?
CHRISTIANSTED is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. CHRISTIANSTED's net worth ratio of 20.31% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.