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
Call Report peers
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Vitelco Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Vitelco Employees sits in 35-39 with 14 others.
37 0th percentile in the bottom 1% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- No scored U.S. Virgin Islands credit union ranks lower; the next one up, FREDERIKSTED (#4) scores 78/100, 41 points higher.
Quarter path for Vitelco Employees
Vitelco Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.5% from $1.6M (2025Q4) to $1.6M (2026Q1).
- Net-worth ratio shifted -1.78 pp (7.06% → 5.28%).
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
Vitelco Employees gives up 63 points in total. Delinquency Rate costs the most, 24.9 of its 25; Member Growth scores full marks.
- 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 |
Peer averages: Under $2M cohort, 243 credit unions, 2025Q4 filing.
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
Similar health score
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
Frequently Asked Questions
Is Vitelco Employees financially healthy?
On its 2025Q4 NCUA 5300 filing, Vitelco Employees scores 37/100 (Weak), with a 5.28% net worth ratio and 3.98% of loans delinquent. It ranks #4,352 of 4,374 nationally on health and #5 of 5 in U.S. Virgin Islands.
How does Vitelco Employees compare to other credit unions?
Vitelco Employees scores 37/100, higher than 0% of the 4,374 scored credit unions. Against the 243 peers in the Under $2M cohort, its widest edge is delinquency rate (3.98% vs 4.48%). Its widest shortfall is loan-to-share ratio (26.30% vs 52.70%).
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?
Vitelco Employees 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. Vitelco Employees's net worth ratio of 5.28% is relative to 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.