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Overview / Commentary
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 2,169th largest credit union in the nation. It was established in 1952 and as of June of 2017, it had grown to 18 employees and 7,280 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
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 Chartered1952
Employees18
Primary Regulator
Profit Margin
Return on Assets - YTD0.31%
Return on Equity - YTD1.17%
Annual Interest Income$1.7MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$58.7MM$56.5MM
LoansQ2 2017vs Q2 2016$29.8MM$29.9MM
DepositsQ2 2017vs Q2 2016$43.1MM$40.8MM
Equity CapitalQ2 2017vs Q2 2016$15.4MM$15.5MM
Loan Loss AllowanceQ2 2017vs Q2 2016$451.00K$158.00K
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$440.00K$298.00K
Real Estate OwnedQ2 2017vs Q2 2016$0$0
Rates
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St. Thomas Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%--Share Account
0.75%--Vacation Account
0.75%--Carnival Club
0.75%--Education Club
0.75%--Christmas Account
0.75%--Junior Savings Account

St. Thomas Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%--Share Draft/Checking Accounts
Locations


St. Thomas Federal Credit Union Locations
Branch Office5027 Norre GadeCharlotte Amalie, VI 00802-6749