Merchants Commercial Bank vs St. Thomas
Comparing a Bank in St Thomas, VI with a Credit Union in Charlotte Amali, VI using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Merchants Commercial Bank ↗ Bank · St Thomas, VI · Est. 2006 | St. Thomas ↗ Credit Union · Charlotte Amali, VI · Est. 1952 | |
|---|---|---|
| Trust Grade | B · 80/100 | A · 98/100 |
| Institution type | Bank | Credit Union |
| Location | St Thomas, VI | Charlotte Amali, VI |
| Total assets | $526.1M | $89.1M |
| Capital ratio | 5.1% | 23.7% |
| Return on assets | 1.9% | 1.1% |
| Deposits | $413.2M | — |
| Branches | 2 | 8,995 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #1 of 1 | #1 of 5 |
| Established | 2006 | 1952 |
Merchants Commercial Bank
- Assets: $526.1M
- Deposits: $413.2M
- Capital ratio: 5.1%
- Return on assets: 1.9%
- CFPB complaints: 0
- State rank: #1 of 1
St. Thomas
- Assets: $89.1M
- Members: 8,995
- Capital ratio: 23.7%
- Return on assets: 1.1%
- CFPB complaints: 0
- State rank: #1 of 5
Are both institutions federally insured?
Yes. Merchants Commercial Bank is FDIC-insured and St. Thomas is NCUA-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Merchants Commercial Bank or St. Thomas?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — St. Thomas scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Merchants Commercial Bank safe?
Yes — Merchants Commercial Bank is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is B (80/100), reflecting its financial strength and complaint history relative to peers.
Is St. Thomas safe?
Yes — St. Thomas is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Merchants Commercial Bank vs St. Thomas?
Merchants Commercial Bank has a capital ratio of 5.1%, placing it in the bottom 1% of $100M–1B peers. St. Thomas's ratio is 23.7%, placing it in the top 13% of <$100M peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Merchants Commercial Bank have compared to St. Thomas?
The CFPB database shows 0 complaints against Merchants Commercial Bank, and 0 complaints against St. Thomas. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Financial data from FDIC and NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
