Federal credit union · CHRISTIANSTED, U.S. Virgin Islands · NCUA charter #7989
Christiansted
Health score 89/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $33.5M
- Total assets
- 3,380
- Members
- 17.6%
- Net-worth ratio
Christiansted - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #7989 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Christiansted - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth62
- Liquidity (loan-to-share)67
Weighted composite: 89/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
17.60% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 17.60% | 30% |
| Delinquency Rate | 0.04% | 25% |
| Return on Assets | 1.54% | 15% |
| Member Growth | 0.27% | 15% |
| Loan-to-Share Ratio | 45.31% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Christiansted
Christiansted is a federal credit union headquartered in CHRISTIANSTED, U.S. Virgin Islands, serving 3,380 members with $33.5M in total assets and $12.1M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 89/100 (Excellent), anchored by a net worth ratio of 17.60% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #7989 operates under peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Deposits deployed into lending sit at a 45.31% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 0.04% of the book 60+ days past due - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Return on assets stands at 1.54% on net income of $517K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 0.27%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Low Income) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Christiansted financially healthy?
Christiansted scores 89/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 17.60% net worth ratio and a 0.04% delinquency rate.
How does Christiansted compare to other credit unions?
Five weighted metrics from NCUA filings produce Christiansted's 89/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like Christiansted are 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 17.60% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Christiansted offer compared to banks?
Credit unions like Christiansted are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Christiansted directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.