St. Thomas
St. Thomas is a credit union based in Charlotte Amali, U.S. Virgin Islands, established in 1952, with $89 million in total assets serving 8,995 members. By Trust Grade it ranks 1st of 5 credit unions we track in U.S. Virgin Islands. Its net worth ratio of 23.7% is stronger than 87% of similarly sized credit unions, versus a U.S. Virgin Islands median of 16.8%. It was profitable over the most recent period, with a 1.09% return on assets. No consumer complaints against St. Thomas appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How St. Thomas compares to U.S. Virgin Islands peers
How we graded St. Thomas
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (23.7% capital ratio)
- Strongly profitable (ROA 1.09%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for St. Thomas over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at St. Thomas insured?
Yes. St. Thomas is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
St. Thomas: frequently asked questions
Is St. Thomas a good credit union?
St. Thomas earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (23.7% capital ratio); Strongly profitable (ROA 1.09%).
Is St. Thomas NCUA-insured?
Yes. St. Thomas is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is St. Thomas?
St. Thomas holds $89 million in total assets, ranking 1st of 5 credit unions we track in U.S. Virgin Islands. It serves 8,995 members.
Does St. Thomas have CFPB complaints?
No CFPB complaints against St. Thomas appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
