St. Thomas Federal Credit Union

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Overview / Commentary

www.stthomasfcu.com

340-774-1299

5027 Norre Gade
Charlotte Amalie, VI 00802-6749

St. Thomas Federal Credit Union is headquartered in Charlotte Amalie and is the largest credit union in the state of VI. It is also the 2,069^th largest credit union in the nation. It was established in 1952 and as of June of 2018, it had grown to 15 employees and 6,895 members at 1 location. St. Thomas Federal Credit Union's savings rates are 44% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Membership is open to employees of the Government of the Virgin Islands Executive Branch and its Semi-Autonomous Agencies, employees of Federal Agencies in the Virgin Islands, and employees of other select area organizations.
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Health

A

Data as of Q2 2018

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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. St. Thomas Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #	7970
Year Chartered	1952
Employees	15
Primary Regulator

Profit Margin
Return on Assets - YTD	0.08%
Return on Equity - YTD	0.35%
Annual Interest Income	$1.7MM

Assets and Liabilities
Assets	Q2 2018vs Q2 2017	$63.9MM$58.7MM
Loans	Q2 2018vs Q2 2017	$28.7MM$29.8MM
Deposits	Q2 2018vs Q2 2017	$48.5MM$43.1MM
Equity Capital	Q2 2018vs Q2 2017	$15.3MM$15.4MM
Loan Loss Allowance	Q2 2018vs Q2 2017	$735.00K$451.00K
Unbacked Noncurrent Loans	Q2 2018vs Q2 2017	$588.00K$440.00K
Real Estate Owned	Q2 2018vs Q2 2017	$0$0

Rates

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St. Thomas Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.75%	$5	-	Share Account
0.75%	$5	-	Vacation Account
0.75%	$5	-	Carnival Club
0.75%	$5	-	Education Club
0.75%	$5	-	Christmas Account
0.75%	$5	-	Junior Savings Account

St. Thomas Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.75%	$5	-	Share Draft/Checking Accounts

Locations

St. Thomas Federal Credit Union Locations
Branch Office	5027 Norre Gade	Charlotte Amalie, VI 00802-6749

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