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Overview / Commentary
6049 Castle Coakley
Christiansted, VI 00820

Mid-Island Federal Credit Union is headquartered in Christiansted and is the 4th largest credit union in the state of VI. It is also the 4,232nd largest credit union in the nation. It was established in 1981 and as of September of 2017, it had grown to 4 employees and 2,703 members at 1 location. Mid-Island Federal Credit Union has a C- health rating.


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Mid-Island Federal Credit Union has a very low asset base.

Health Grade Components

NCUA #23811
Year Chartered1981
Primary Regulator
Profit Margin
Return on Assets - YTD-1.34%
Return on Equity - YTD-13.62%
Annual Interest Income$255.00K
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$9.5MM$9.5MM
LoansQ3 2017vs Q3 2016$3.4MM$3.9MM
DepositsQ3 2017vs Q3 2016$8.5MM$8.5MM
Equity CapitalQ3 2017vs Q3 2016$930.00K$1.0MM
Loan Loss AllowanceQ3 2017vs Q3 2016$163.00K$94.00K
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$295.00K$80.00K
Real Estate OwnedQ3 2017vs Q3 2016$0$0
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Mid-Island Federal Credit Union Savings Account Rates

0.10%--Regular Share (Savings) Accounts
0.10%--Club Accounts
0.10%--Challenge Accounts

Mid-Island Federal Credit Union Locations
Branch Office6049 Castle CoakleyChristiansted, VI 00820-5204