Federal credit union · Charlotte Amali, U.S. Virgin Islands · NCUA charter #23294
Vitelco Employees
Health score 36/100 (Weak) - from the NCUA 5300 Call Report, 2025Q4.
- 36
- Health / 100
- $1.6M
- Total assets
- 334
- Members
- 5.0%
- Net-worth ratio
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 - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)42
- Asset quality (delinquency)0
- Earnings (ROA)0
- Member growth100
- Liquidity (loan-to-share)56
Weighted composite: 36/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This institution's 4.99% net worth ratio sits below the NCUA's 7.0% well-capitalized threshold.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 4.99% | 30% |
| Delinquency Rate | 3.98% | 25% |
| Return on Assets | -2.51% | 15% |
| Member Growth | 7.74% | 15% |
| Loan-to-Share Ratio | 26.30% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Vitelco Employees
Vitelco Employees is a federal credit union headquartered in Charlotte Amali, U.S. Virgin Islands, serving 334 members with $1.6M in total assets and $384K in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 36/100 (Weak), anchored by a net worth ratio of 4.99% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #23294 operates under peer group Under $2M, a cohort of 243 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 3.98% measures loans 60+ days past due against total loans outstanding - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers. The loan-to-share ratio of 26.30% indicates how aggressively member deposits are being deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at -2.51% on net income of $-39737 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 7.74%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Community) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Vitelco Employees financially healthy?
Yes/no aside, the number is 36/100 (Weak) - Vitelco Employees's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 4.99% 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 36/100 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 4.99% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.