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
- CAMELS 90/100
- HEALTH 23.7%
- NW 0.94%
- DELQ 0.69%
- ROA $89.3M
- ASSETS 8,906
- MEM #1,027/4,374
- RANK Coast Line
- PHOTO 7970
Call Report peers
St. Thomas in the assets neighbourhood
St. Thomas's $89.3M assets sit next to Coast Line ($89.3M) 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.
St. Thomas 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
90 Top 27% higher than 73% 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
St. Thomas - Share Insurance Coverage
Charter #7970'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.
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).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for VI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
St. Thomas Call Report trajectory
St. Thomas: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.3% from $89.3M (2025Q4) to $89.1M (2026Q1).
- Net-worth ratio shifted +0.34 pp (23.37% → 23.71%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 90.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
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
Cross-state asset and health neighbours for St. Thomas - kept outside U.S. Virgin Islands; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($89.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (90/100 here).
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
- 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 St. Thomas financially healthy?
Yes/no aside, the number is 90/100 (Excellent) - St. Thomas's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,027 of 4,374; by total assets it ranks #1,925 of 4,374 nationally (same basis as /rankings/largest); and #1 of 5 within U.S. Virgin Islands. Above 80 reads excellent, below 50 warrants closer monitoring; a 23.71% net worth ratio and 0.94% delinquency rate are the key drivers.
How does St. Thomas compare to other credit unions?
PlainCU's health composite puts St. Thomas at 90/100, compared to a peer group average for $50M–$100M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 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?
Federal credit unions like St. Thomas 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. St. Thomas's net worth ratio of 23.71% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does St. Thomas offer compared to banks?
Credit unions like St. Thomas 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 St. Thomas 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.