Federal credit union · Charlotte Amali, U.S. Virgin Islands · NCUA charter #7970
St. Thomas
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $89.3M
- Total assets
- 8,906
- Members
- 23.7%
- Net-worth ratio
St. Thomas scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $89.3M; members 8,906; net-worth ratio 23.71%; health rank #1,027 of 4,374; healthier than 73rd of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,027 of 4,374 health · 2025Q4St. Thomas · health 90/100 · $89.3M · 2025Q4
Call Report peers
St. Thomas in the assets neighbourhood
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St. Thomas vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); St. Thomas sits in 90-94 with 747 others.
90 Top 27% higher than 73% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
St. Thomas vs $50M–$100M peers
- Net Worth Ratio leads the peer set - 23.71% here, 13.62% peer average (+10.09 pp).
- Largest lag: Loan-to-Share Ratio at 57.68% vs peer 62.60% (-4.92 pp).
U.S. Virgin Islands standing for St. Thomas
- In U.S. Virgin Islands, health place is #2 of 5 on the same NCUA-ratio sort used nationally.
- U.S. Virgin Islands assets place: #1 of 5.
- Membership ranks #1 of 5 among U.S. Virgin Islands CUs with a reported count (8,906 members).
- One place up in U.S. Virgin Islands, MID-ISLAND (#1) scores 91/100, 1 point higher; one place down, CHRISTIANSTED (#3) scores 89/100, 1 point lower.
St. Thomas Call Report trajectory
St. Thomas: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.3% from $89.3M (2025Q4) to $89.1M (2026Q1).
- Net-worth ratio shifted +0.34 pp (23.37% → 23.71%).
This credit union's 23.71% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 90/100 score is built
St. Thomas gives up 10 points in total. Delinquency Rate costs the most, 4.4 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.6 pts
- Return on Assets 15.0 pts
- Member Growth 12.7 pts
- Loan-to-Share Ratio 11.7 pts
Call Report ratios for St. Thomas
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 23.71% | +10.09 pp |
| Delinquency Rate | 0.94% | -0.02 pp |
| Return on Assets | 0.69% | +0.03 pp |
| Member Growth | 3.04% | - |
| Loan-to-Share Ratio | 57.68% | -4.92 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
St. Thomas quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $89.1M | - |
| 2025Q4 | $89.3M | 8,906 |
| 2024Q4 | $86.8M | 8,643 |
| 2023Q4 | $84.2M | 8,330 |
Credit Union Details
- Charter Number
- 7970
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $50M–$100M
- State
- U.S. Virgin Islands
- City
- Charlotte Amali
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, St. Thomas runs 2 offices in 2 different cities across 2 states.
| Office | City |
|---|---|
| STTFCU (Main Office) | Charlotte Amalie, 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.
Nationwide credit unions with similar profiles
Using this data
- St. Thomas ranks #1,027 of 4,374 nationally on financial health and #2 of 5 in VI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CHRISTIANSTED is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CHRISTIANSTED
Frequently Asked Questions
Is St. Thomas financially healthy?
St. Thomas has a financial health score of 90/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,027 of 4,374 nationally on health and #2 of 5 in U.S. Virgin Islands. Its net worth ratio is 23.71% and its delinquency rate 0.94%.
How does St. Thomas compare to other credit unions?
St. Thomas scores 90/100, higher than 73% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is net worth ratio (23.71% vs 13.62%). Its widest shortfall is loan-to-share ratio (57.68% vs 62.60%).
How can I join St. Thomas?
St. Thomas serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact St. Thomas directly for the current list of qualifying groups.
Is my money safe at St. Thomas?
St. Thomas 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. St. Thomas's net worth ratio of 23.71% 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.