Charlotte Amali, Virgin Islands · Peer group 4
St. Thomas Credit Union
St. Thomas Credit Union holds $89.1M in assets across 8,995 members as of Q1 2026 — about $10K of assets per member, on a charter dating to 1952. Charter number 7970, in the $50M-$100M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $89.1M |
|---|---|
| Total loans | $39.5M |
| Total shares (deposits) | $69.8M |
| Net worth | $21.1M |
| Members | 8,995 |
| Assets per member | $10K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 0.7% | |
|---|---|---|
| Loans | 3.1% | around the 71st percentile of its peer group |
| Deposits | 0.3% | around the 38th percentile of its peer group |
| Members | 3.6% | higher than 94% 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 | 56.6% | around the 43rd percentile of its peer group |
|---|---|---|
| Net worth ratio | 23.7% | higher than 98% of its peer group |
| Return on assets | 1.09% | around the 69th percentile of its peer group |
| Delinquency ratio | 1.15% | around the 76th percentile of its peer group |
| Cash / assets | 5.5% | around the 15th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 47th percentile of its peer group |
What this page does not show
Everything above is St. Thomas 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.
- Ravalli County Credit Union
Hamilton, MT
$89.1M · 6,272 members
- Westex Credit Union
Lubbock, TX
$89.0M · 6,783 members
- Snocope Credit Union
Everett, WA
$89.0M · 5,882 members
- T M H Credit Union
TALLAHASSEE, FL
$89.0M · 8,620 members
- Multi-States Credit Union
SPRINGFIELD, MO
$89.2M · 14,968 members
- Lampco Credit Union
ANDERSON, IN
$89.3M · 7,796 members
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