Mid-Island vs St. Thomas
Comparing a Credit Union in Christiansted, VI with a Credit Union in Charlotte Amali, VI using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Mid-Island ↗ Credit Union · Christiansted, VI · Est. 1981 | St. Thomas ↗ Credit Union · Charlotte Amali, VI · Est. 1952 | |
|---|---|---|
| Trust Grade | C · 79/100 | A · 98/100 |
| Institution type | Credit Union | Credit Union |
| Location | Christiansted, VI | Charlotte Amali, VI |
| Total assets | $18.2M | $89.1M |
| Net worth ratio | 10.1% | 23.7% |
| Return on assets | -0.4% | 1.1% |
| Shares & deposits | — | — |
| Members | 2,392 | 8,995 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #4 of 5 | #1 of 5 |
| Established | 1981 | 1952 |
Mid-Island
- Assets: $18.2M
- Members: 2,392
- Capital ratio: 10.1%
- Return on assets: -0.4%
- CFPB complaints: 0
- State rank: #4 of 5
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. Mid-Island is NCUA-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, Mid-Island 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 Mid-Island safe?
Yes — Mid-Island is NCUA-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 C (79/100), 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 Mid-Island vs St. Thomas?
Mid-Island has a net worth ratio of 10.1%, placing it in the bottom 18% of <$100M 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 Mid-Island have compared to St. Thomas?
The CFPB database shows 0 complaints against Mid-Island, 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.
Compare Mid-Island with other Credit Unions in U.S. Virgin Islands
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
