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U.S. Virgin Islands Credit Union Performance
How the 5 credit unions based in U.S. Virgin Islands are performing — size, membership, earnings, capital, growth and loan quality — measured against every U.S. credit union, straight from the public NCUA Call Report.
NCUA data through Q1 2026.
U.S. Virgin Islands's 5 credit unions serve 18,052 members and hold $167.0M in combined assets. The median U.S. Virgin Islands credit union earned a 1.09% return on average assets over the past year, compared with 0.66% for the median U.S. credit union. Median one-year membership growth among U.S. Virgin Islands credit unions was 1.81%, compared with -0.55% nationally. Median one-year asset growth was 0.71%, compared with 2.78% nationally. Figures are from the Q1 2026 NCUA Call Report.
U.S. Virgin Islands at a glance
U.S. Virgin Islands vs. the United States
System totals are the sum of every credit union based in U.S. Virgin Islands. The share column is U.S. Virgin Islands's portion of the national figure.
| Measure | U.S. Virgin Islands | United States | U.S. Virgin Islands share |
|---|---|---|---|
| Credit unions | 5 | 4,335 | 0.1% |
| Members | 18,052 | 147,031,529 | 0.0% |
| Residents (population) | — | 340,110,988 | — |
| Total assets | $167.0M | $2,507.50B | 0.0% |
| Total loans | $63.8M | $1,744.86B | 0.0% |
| Total shares & deposits | $134.2M | $2,143.21B | 0.0% |
| Total net worth | $34.0M | $282.23B | 0.0% |
| Mergers year-to-date | 0 | 27 | — |
The median U.S. Virgin Islands credit union
Ratios and growth describe the typical (median) credit union in each place — a robust, outlier-resistant figure — not a single giant institution. Each is computed with the same disclosed equations used across CUNinjas.
| Metric | Median U.S. Virgin Islands CU | Median U.S. CU |
|---|---|---|
| Return on assets | 1.09% | 0.66% |
| Net worth ratio | 16.77% | 12.44% |
| Loan-to-share ratio | 32.56% | 67.86% |
| Delinquency ratio | 1.15% | 0.63% |
| Net charge-off ratio | 0.51% | 0.33% |
| Cost of funds | 0.19% | 1.05% |
| Member growth (1 yr) | 1.81% | -0.55% |
| Asset growth (1 yr) | 0.71% | 2.78% |
| Loan growth (1 yr) | 3.63% | 0.63% |
| Share growth (1 yr) | -1.85% | 2.36% |
| Net worth growth (1 yr) | 9.57% | 5.57% |
Trends over time
The median U.S. Virgin Islands credit union (solid) vs. the median U.S. credit union (dashed), by year.
Return on assets 1.68% · 0.72%
— U.S. Virgin Islands ‑‑ U.S.
Net worth ratio 16.58% · 12.46%
— U.S. Virgin Islands ‑‑ U.S.
Loan-to-share ratio 34.64% · 69.70%
— U.S. Virgin Islands ‑‑ U.S.
Delinquency ratio 0.94% · 0.72%
— U.S. Virgin Islands ‑‑ U.S.
Asset growth (1 yr) 5.51% · 3.26%
— U.S. Virgin Islands ‑‑ U.S.
Member growth (1 yr) 3.04% · -0.52%
— U.S. Virgin Islands ‑‑ U.S.
U.S. Virgin Islands leaderboards
Largest by assets
- 1 St. Thomas Credit Union $89.1M
- 2 Christiansted Credit Union $33.7M
- 3 Frederiksted Credit Union $24.4M
- 4 Mid-Island Credit Union $18.2M
- 5 Vitelco Employees Credit Union $1.6M
Highest return on assets
- 1 St. Thomas Credit Union 1.09%
Fastest-growing (organic)
- 1 St. Thomas Credit Union 0.71%
Leaderboards rank credit unions above $50M in assets on positive measures only (return on assets and organic asset growth, excluding merger-driven jumps); the largest board has no size floor.
Method. Compiled from public NCUA 5300 Call Report data (Q1 2026), covering federally insured credit unions headquartered in U.S. Virgin Islands that filed for the quarter. System totals are exact sums; ratios and growth are the median credit union in each place, computed through the same disclosed equations used across CUNinjas (a credit union that branches across state lines is counted only in its home state). Cells for a group of fewer than three credit unions are withheld. Population figures are U.S. Census Bureau Vintage 2024 estimates. Not affiliated with the NCUA.