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
- CHARTER 91/100
- NCUSIF 10.1%
- CAMELS 0.38%
- HEALTH 1.25%
- NW $18.1M
- DELQ 2,373
- ROA #985/4,374
- ASSETS Syracuse Postal
- MEM 23811
Call Report peers
MID-ISLAND in the assets neighbourhood
MID-ISLAND's $18.1M assets sit next to Syracuse Postal ($18.1M) 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.
MID-ISLAND 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
91 Top 23% higher than 77% 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
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: 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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for VI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for MID-ISLAND
MID-ISLAND: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.5% from $18.1M (2025Q4) to $18.2M (2026Q1).
- Net-worth ratio shifted -0.16 pp (10.22% → 10.06%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 91.
- 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 |
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).
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
Two NCUA Call Report peer sets for MID-ISLAND, both outside U.S. Virgin Islands so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($18.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (91/100 here).
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
- 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 MID-ISLAND financially healthy?
A 10.06% net worth ratio and a 0.38% delinquency rate feed into MID-ISLAND's financial health score of 91/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #985 of 4,374; by total assets it ranks #3,204 of 4,374 nationally (same basis as /rankings/largest); and #4 of 5 within U.S. Virgin Islands. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does MID-ISLAND compare to other credit unions?
MID-ISLAND scores 91/100 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 10.06% 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.
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.