Saint Thomas Federal Credit Union

Charlotte Amalie, VI

Rating Date

May 2024

Net Capital
Ratio

Leverage
Ratio

Return On
Assets

Total
Assets

Capital

Total
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Weiss Ratings	Saint Thomas Federal Credit Union Charlotte Amalie, VI	Click to Compare	Click to Compare	Click to Compare
Rating	A
Asset Quality Index	9.90
Capitalization Index	10.00
Liquidity Index	5.00
Profitability Index	8.70
Stability Index	8.00

Company Info	Saint Thomas Federal Credit Union Charlotte Amalie, VI	Click to Compare	Click to Compare	Click to Compare
NCUA Charter Number	1711
Phone Number	(340) 774-1299
Website	www.stthomasfcu.com

Asset Quality	Saint Thomas Federal Credit Union Charlotte Amalie, VI	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	1.88%
5-Year Asset Growth	5.28%
5-Year Charge-Offs to Average Loans	0.18%
Charge-Offs to Average Loans	0.58%
Non-Performing Assets to Assets	0.09%
Non-Performing Loans to Capital	0.41%
Non-Performing Loans to Loans	0.20%

Balance Sheet	Saint Thomas Federal Credit Union Charlotte Amalie, VI	Click to Compare	Click to Compare	Click to Compare
Total Assets	84.76M
Total Deposits	67.13M

Capital and Reserves	Saint Thomas Federal Credit Union Charlotte Amalie, VI	Click to Compare	Click to Compare	Click to Compare
Capital	17.37M
Leverage Ratio	24.60
Loan Loss Reserves to Loans	1.44%

Liquidity	Saint Thomas Federal Credit Union Charlotte Amalie, VI	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	1.55%
Liquidity Ratio	14.09%

Profitability	Saint Thomas Federal Credit Union Charlotte Amalie, VI	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	1.12%
Net Income	473.00K
Net Interest Spread	5.12%
Operating Profit to Average Assets	2.40%
Overhead Efficiency Ratio	59.70%
Return on Assets	2.24%
Return on Equity	11.02%