Federal credit union · Frederiksted, U.S. Virgin Islands · NCUA charter #8069
FREDERIKSTED
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $23.9M
- Total assets
- 3,012
- Members
- 16.8%
- Net-worth ratio
FREDERIKSTED scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $23.9M; members 3,012; net-worth ratio 16.77%; health rank #2,940 of 4,374; healthier than 31st of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,940 of 4,374 health · 2025Q4FREDERIKSTED · health 78/100 · $23.9M · 2025Q4
- RANK 78/100
- PHOTO 16.8%
- BOOK 2.31%
- CHARTER 2.04%
- NCUSIF $23.9M
- CAMELS 3,012
- HEALTH #2,940/4,374
- NW Liberty County Teachers
- DELQ 8069
Call Report peers
FREDERIKSTED in the assets neighbourhood
FREDERIKSTED's $23.9M assets sit next to Liberty County Teachers ($24.0M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
FREDERIKSTED vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
78 31st percentile higher than 31% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
FREDERIKSTED - Share Insurance Coverage
Charter #8069's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Peer-gap read for FREDERIKSTED
- Largest favorable gap: Net Worth Ratio at 16.77% vs peer 14.86% (+1.91 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -25.16 pp (34.64% vs 59.80%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
FREDERIKSTED in U.S. Virgin Islands
- In U.S. Virgin Islands, health place is #4 of 5 on the same NCUA-ratio sort used nationally.
- U.S. Virgin Islands assets place: #3 of 5.
- U.S. Virgin Islands membership ordinal: #3 of 5.
In-state ordinals use the live credit_unions table for VI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
FREDERIKSTED: 2025Q4 → 2026Q1
FREDERIKSTED: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.9% from $23.9M (2025Q4) to $24.4M (2026Q1).
- Net-worth ratio shifted +0.19 pp (16.58% → 16.77%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 16.77% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 78/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 78.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 10.6 pts
- Return on Assets 15.0 pts
- Member Growth 13.8 pts
- Loan-to-Share Ratio 8.6 pts
FREDERIKSTED health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.77% | +1.91 pp |
| Delinquency Rate | 2.31% | +1.17 pp |
| Return on Assets | 2.04% | +1.33 pp |
| Member Growth | 3.97% | - |
| Loan-to-Share Ratio | 34.64% | -25.16 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
FREDERIKSTED quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $24.4M | - |
| 2025Q4 | $23.9M | 3,012 |
| 2024Q4 | $22.6M | 2,897 |
| 2023Q4 | $22.5M | 3,224 |
Credit Union Details
- Charter Number
- 8069
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- U.S. Virgin Islands
- City
- Frederiksted
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for FREDERIKSTED.
| Office | City |
|---|---|
| Frederiksted Federal Credit Union (Main Office) | Frederiksted, VI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in U.S. Virgin Islands
Other federally-insured credit unions in U.S. Virgin Islands, closest first by peer group and asset size.
Cross-state Call Report peers for FREDERIKSTED
Cross-state asset and health neighbours for FREDERIKSTED - kept outside U.S. Virgin Islands; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($23.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (78/100 here).
Using this data
- FREDERIKSTED ranks #2,940 of 4,374 nationally on financial health and #4 of 5 in VI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- MID-ISLAND is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with MID-ISLAND
- Rates and health both vary by institution, not just by state -- see how U.S. Virgin Islands credit unions compare overall before assuming this one is typical. U.S. Virgin Islands state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is FREDERIKSTED financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, FREDERIKSTED carries a financial health score of 78/100 (Very Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,940 of 4,374; by total assets it ranks #3,028 of 4,374 nationally (same basis as /rankings/largest); and #3 of 5 within U.S. Virgin Islands. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 16.77% net worth ratio and a 2.31% delinquency rate.
How does FREDERIKSTED compare to other credit unions?
78/100 is FREDERIKSTED's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 FREDERIKSTED?
FREDERIKSTED operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact FREDERIKSTED directly for the exact boundaries and application steps.
Is my money safe at FREDERIKSTED?
Federal credit unions like FREDERIKSTED 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. FREDERIKSTED's net worth ratio of 16.77% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does FREDERIKSTED offer compared to banks?
Credit unions like FREDERIKSTED 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 FREDERIKSTED directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
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.