St. Thomas vs Mid-Island
Comparing a Credit Union in Charlotte Amali, VI with a Credit Union in Christiansted, VI using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| St. Thomas ↗ Credit Union · Charlotte Amali, VI · Est. 1952 | Mid-Island ↗ Credit Union · Christiansted, VI · Est. 1981 | |
|---|---|---|
| Trust Grade | A · 98/100 | C · 79/100 |
| Institution type | Credit Union | Credit Union |
| Location | Charlotte Amali, VI | Christiansted, VI |
| Total assets | $89.1M | $18.2M |
| Net worth ratio | 23.7% | 10.1% |
| Return on assets | 1.1% | -0.4% |
| Shares & deposits | — | — |
| Members | 8,995 | 2,392 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #1 of 5 | #4 of 5 |
| Established | 1952 | 1981 |
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
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
Are both institutions federally insured?
Yes. St. Thomas is NCUA-insured and Mid-Island 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, St. Thomas or Mid-Island?
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 St. Thomas safe?
Yes — St. Thomas 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 A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Mid-Island safe?
Yes — Mid-Island is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is C (79/100).
What is the capital ratio of St. Thomas vs Mid-Island?
St. Thomas has a net worth ratio of 23.7%, placing it in the top 13% of <$100M peers. Mid-Island's ratio is 10.1%, placing it in the bottom 18% of <$100M peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does St. Thomas have compared to Mid-Island?
The CFPB database shows 0 complaints against St. Thomas, and 0 complaints against Mid-Island. 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 St. Thomas 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.
