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Overview / Commentary
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 2,181st largest credit union in the nation. It was established in 1952 and as of September of 2016, it had grown to 18 employees and 6,992 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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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

NCUA #7970
Year Chartered1952
Primary Regulator
Profit Margin
Return on Assets - YTD0.4%
Return on Equity - YTD1.45%
Annual Interest Income$2.4MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$57.1MM$54.4MM
LoansQ3 2016vs Q3 2015$29.6MM$29.9MM
DepositsQ3 2016vs Q3 2015$41.4MM$38.8MM
Equity CapitalQ3 2016vs Q3 2015$15.5MM$15.4MM
Loan Loss AllowanceQ3 2016vs Q3 2015$235.00K$166.00K
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$466.00K$237.00K
Real Estate OwnedQ3 2016vs Q3 2015$0$0
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St. Thomas Federal Credit Union Savings Account Rates

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

0.75%--Share Draft/Checking Accounts

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