Federal credit union · Christiansted, U.S. Virgin Islands · NCUA charter #23811
MID-ISLAND
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $18.1M
- Total assets
- 2,373
- Members
- 10.1%
- Net-worth ratio
MID-ISLAND scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $18.1M; members 2,373; net-worth ratio 10.06%; health rank #985 of 4,374; healthier than 77th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#985 of 4,374 health · 2025Q4MID-ISLAND · health 91/100 · $18.1M · 2025Q4
Call Report peers
MID-ISLAND in the assets neighbourhood
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MID-ISLAND vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); MID-ISLAND sits in 90-94 with 747 others.
91 Top 23% higher than 77% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
MID-ISLAND: Call Report deltas vs peers
- Delinquency Rate leads the peer set - 0.38% here, 1.15% peer average (-0.76 pp).
- Loan-to-Share Ratio trails the peer set - 31.37% here, 59.80% peer average (-28.43 pp).
Where MID-ISLAND sits in U.S. Virgin Islands
- In U.S. Virgin Islands, health place is #1 of 5 on the same NCUA-ratio sort used nationally.
- By total assets, MID-ISLAND is #4 of 5 in U.S. Virgin Islands.
- Membership ranks #4 of 5 among U.S. Virgin Islands CUs with a reported count (2,373 members).
- No U.S. Virgin Islands credit union scores higher; the runner-up, St. Thomas (#2) scores 90/100, 1 point lower.
Quarter path for MID-ISLAND
MID-ISLAND: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.5% from $18.1M (2025Q4) to $18.2M (2026Q1).
- Net-worth ratio shifted -0.16 pp (10.22% → 10.06%).
This credit union's 10.06% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 91/100 score is built
MID-ISLAND gives up 9 points in total. Loan-to-Share Ratio costs the most, 6.2 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 11.8 pts
- Loan-to-Share Ratio 9.2 pts
MID-ISLAND vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.06% | -4.80 pp |
| Delinquency Rate | 0.38% | -0.76 pp |
| Return on Assets | 1.25% | +0.55 pp |
| Member Growth | 2.33% | - |
| Loan-to-Share Ratio | 31.37% | -28.43 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
MID-ISLAND filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $18.2M | - |
| 2025Q4 | $18.1M | 2,373 |
| 2024Q4 | $16.9M | 2,319 |
| 2023Q4 | $17.2M | 2,325 |
Credit Union Details
- Charter Number
- 23811
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- U.S. Virgin Islands
- City
- Christiansted
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for MID-ISLAND, spread across 2 cities in 2 states.
| Office | City |
|---|---|
| Mid Island Federal Credit Union (Main Office) | Christiansted, VI |
| Mid Island Federal Credit Union | Christiansted, VI |
| CU SOUTH | Fairhope, AL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in U.S. Virgin Islands
A look at other U.S. Virgin Islands credit unions, ranked by how closely their peer group and asset size match this one.
MID-ISLAND nationwide neighbourhoods
Similar total assets
Similar health score
Using this data
- MID-ISLAND ranks #985 of 4,374 nationally on financial health and #1 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 MID-ISLAND financially healthy?
MID-ISLAND has a financial health score of 91/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #985 of 4,374 nationally on health and #1 of 5 in U.S. Virgin Islands. Its net worth ratio is 10.06% and its delinquency rate 0.38%.
How does MID-ISLAND compare to other credit unions?
MID-ISLAND scores 91/100, higher than 77% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.38% vs 1.15%). Its widest shortfall is loan-to-share ratio (31.37% vs 59.80%).
How can I join MID-ISLAND?
MID-ISLAND 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 MID-ISLAND directly for the exact boundaries and application steps.
Is my money safe at MID-ISLAND?
MID-ISLAND 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. MID-ISLAND's net worth ratio of 10.06% 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.