Christiansted, Virgin Islands · Peer group 3
Mid-Island Credit Union
Mid-Island Credit Union holds $18.2M in assets across 2,392 members as of Q1 2026 — about $8K of assets per member, on a charter dating to 1981. Charter number 23811, in the $10M-$50M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $18.2M |
|---|---|
| Total loans | $5.2M |
| Total shares (deposits) | $16.2M |
| Net worth | $1.8M |
| Members | 2,392 |
| Assets per member | $8K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -0.5% | |
|---|---|---|
| Loans | 22.4% | higher than 99% of its peer group |
| Deposits | -1.9% | around the 30th percentile of its peer group |
| Members | 2.2% | around the 85th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 32.0% | around the 11th percentile of its peer group |
|---|---|---|
| Net worth ratio | 10.1% | around the 19th percentile of its peer group |
| Return on assets | -0.45% | around the 11th percentile of its peer group |
| Delinquency ratio | 0.19% | around the 29th percentile of its peer group |
| Cash / assets | 20.0% | around the 83rd percentile of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is Mid-Island Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Virgin Islands — the comparison set a peer ratio is measured against.
- Southern Credit Union
Chattanooga, TN
$18.2M · 1,632 members
- Energy People Credit Union
MEDFORD, NJ
$18.2M · 1,082 members
- Victoria Teachers Credit Union
Victoria, TX
$18.1M · 1,391 members
- Community Healthcare Credit Union
Manchester, CT
$18.2M · 2,386 members
- High Desert Community Credit Union
Aztec, NM
$18.2M · 1,894 members
- Syracuse Postal Credit Union
SYRACUSE, NY
$18.3M · 1,009 members
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