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
Call Report peers
FREDERIKSTED in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); FREDERIKSTED sits in 75-79 with 502 others.
78 31st percentile higher than 31% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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.
- One place up in U.S. Virgin Islands, CHRISTIANSTED (#3) scores 89/100, 11 points higher; one place down, Vitelco Employees (#5) scores 37/100, 41 points lower.
FREDERIKSTED: 2025Q4 → 2026Q1
FREDERIKSTED: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.9% from $23.9M (2025Q4) to $24.4M (2026Q1).
- Net-worth ratio shifted +0.19 pp (16.58% → 16.77%).
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
FREDERIKSTED gives up 22 points in total. Delinquency Rate costs the most, 14.4 of its 25; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is FREDERIKSTED financially healthy?
FREDERIKSTED has a financial health score of 78/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,940 of 4,374 nationally on health and #4 of 5 in U.S. Virgin Islands. Its net worth ratio is 16.77% and its delinquency rate 2.31%.
How does FREDERIKSTED compare to other credit unions?
FREDERIKSTED scores 78/100, higher than 31% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (16.77% vs 14.86%). Its widest shortfall is loan-to-share ratio (34.64% vs 59.80%).
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?
FREDERIKSTED 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. FREDERIKSTED's net worth ratio of 16.77% 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.