Federal credit union · Charlotte Amali, U.S. Virgin Islands · NCUA charter #23294
Vitelco Employees
Health score 37/100, grade F (Weak) - from the NCUA 5300 Call Report, 2025Q4.
- 37
- Health / 100
- $1.6M
- Total assets
- 334
- Members
- 5.3%
- Net-worth ratio
Vitelco Employees scores 37/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.6M; members 334; net-worth ratio 5.28%; health rank #4,352 of 4,374; healthier than 0th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#4,352 of 4,374 health · 2025Q4Vitelco Employees · health 37/100 · $1.6M · 2025Q4
- HEALTH 37/100
- NW 5.3%
- DELQ 3.98%
- ROA -2.51%
- ASSETS $1.6M
- MEM 334
- RANK #4,352/4,374
- PHOTO n/a
- BOOK 23294
Call Report peers
Vitelco Employees carries $1.6M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Vitelco Employees 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
37 0th percentile in the bottom 1% 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
Vitelco Employees - Share Insurance Coverage
Charter #23294'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.
Vitelco Employees: Call Report deltas vs peers
- Strongest edge vs 243 Under $2M peers is Delinquency Rate: -0.50 pp (3.98% vs 4.48%).
- Largest lag: Loan-to-Share Ratio at 26.30% vs peer 52.70% (-26.40 pp).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Vitelco Employees in U.S. Virgin Islands
- U.S. Virgin Islands health ordinal: #5 of 5.
- Assets rank #5 of 5 inside U.S. Virgin Islands ($1.6M reported).
- Member book place in U.S. Virgin Islands: #5 of 5.
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 Vitelco Employees
Vitelco Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.5% from $1.6M (2025Q4) to $1.6M (2026Q1).
- Net-worth ratio shifted -1.78 pp (7.06% → 5.28%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This institution's 5.28% net worth ratio sits below the NCUA's 7.0% well-capitalized threshold.
How the 37/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 37.
- Net Worth Ratio 13.2 pts
- Delinquency Rate 0.1 pts
- Return on Assets 0.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 8.7 pts
Vitelco Employees vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 5.28% | -17.65 pp |
| Delinquency Rate | 3.98% | -0.50 pp |
| Return on Assets | -2.51% | -2.73 pp |
| Member Growth | 7.74% | - |
| Loan-to-Share Ratio | 26.30% | -26.40 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Vitelco Employees filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.6M | - |
| 2025Q4 | $1.6M | 334 |
| 2024Q4 | $1.6M | 310 |
| 2023Q4 | $1.7M | 319 |
Credit Union Details
- Charter Number
- 23294
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Under $2M
- State
- U.S. Virgin Islands
- City
- Charlotte Amali
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Vitelco Employees runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| Vitelco Employees Federal Credit Union (Main Office) | Charlotte Amalie, VI |
| STX Office | Christiansted, St. Croix, VI |
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.
Vitelco Employees nationwide neighbourhoods
Two NCUA Call Report peer sets for Vitelco Employees, both outside U.S. Virgin Islands so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (37/100 here).
Using this data
- Vitelco Employees ranks #4,352 of 4,374 nationally on financial health and #5 of 5 in VI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- MID-ISLAND is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with MID-ISLAND
- 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 Vitelco Employees financially healthy?
Yes/no aside, the number is 37/100 (Weak) - Vitelco Employees'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 #4,352 of 4,374; by total assets it ranks #4,176 of 4,374 nationally (same basis as /rankings/largest); and #5 of 5 within U.S. Virgin Islands. Above 80 reads excellent, below 50 warrants closer monitoring; a 5.28% net worth ratio and 3.98% delinquency rate are the key drivers.
How does Vitelco Employees compare to other credit unions?
Five weighted metrics from NCUA filings produce Vitelco Employees's 37/100 score on PlainCU's health composite, compared to a peer group average for Under $2M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Vitelco Employees?
Vitelco Employees 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 Vitelco Employees directly for the exact boundaries and application steps.
Is my money safe at Vitelco Employees?
Federal credit unions like Vitelco Employees 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. Vitelco Employees's net worth ratio of 5.28% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Vitelco Employees offer compared to banks?
Credit unions like Vitelco Employees 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 Vitelco Employees 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.