Federal credit union · Christiansted, U.S. Virgin Islands · NCUA charter #23811
Mid-island
Health score 88/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $18.1M
- Total assets
- 2,373
- Members
- 9.1%
- Net-worth ratio
Mid-island - Share Insurance Coverage
Charter #23811'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.
Mid-island - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)92
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth79
- Liquidity (loan-to-share)59
Weighted composite: 88/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 9.08% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.08% | 30% |
| Delinquency Rate | 0.38% | 25% |
| Return on Assets | 1.25% | 15% |
| Member Growth | 2.33% | 15% |
| Loan-to-Share Ratio | 31.37% | 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 | $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
What This Data Says About Mid-island
Mid-island is a federal credit union headquartered in Christiansted, U.S. Virgin Islands, serving 2,373 members with $18.1M in total assets and $5.0M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 88/100 (Excellent), anchored by a net worth ratio of 9.08% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #23811 operates under peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Deposits deployed into lending sit at a 31.37% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 0.38% 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 1.25% on net income of $227K 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 2.33%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Community). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
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.
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 Mid-island financially healthy?
A 9.08% net worth ratio and a 0.38% delinquency rate feed into Mid-island's financial health score of 88/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Mid-island compare to other credit unions?
Mid-island scores 88/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 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?
Federal credit unions like Mid-island 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. Mid-island's net worth ratio of 9.08% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Mid-island offer compared to banks?
Credit unions like Mid-island 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 Mid-island 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.