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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 2,184th largest credit union in the nation. It was established in 1952 and as of December of 2016, it had grown to 16 employees and 7,075 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
Employees16
Primary Regulator
Profit Margin
Return on Assets - YTD0.36%
Return on Equity - YTD1.31%
Annual Interest Income$3.2MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$56.9MM$54.3MM
LoansQ4 2016vs Q4 2015$30.8MM$30.2MM
DepositsQ4 2016vs Q4 2015$41.2MM$38.7MM
Equity CapitalQ4 2016vs Q4 2015$15.6MM$15.3MM
Loan Loss AllowanceQ4 2016vs Q4 2015$299.00K$172.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$404.00K$40.00K
Real Estate OwnedQ4 2016vs Q4 2015$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