A
Saint Thomas Federal Credit Union
Rating Date
May 2024
Net Capital
Ratio
21.93
Leverage
Ratio
24.45
Return On
Assets
1.97%
Total
Assets
88.55M
Capital
19.42M
Total
Deposits
68.93M
Net
Income
1.27M
My Lists My Alerts
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 5.10
Profitability Index 9.90
Stability Index 8.30
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 6.92%
5-Year Asset Growth 5.28%
5-Year Charge-Offs to Average Loans 0.18%
Charge-Offs to Average Loans 0.53%
Non-Performing Assets to Assets 0.15%
Non-Performing Loans to Capital 0.66%
Non-Performing Loans to Loans 0.35%
Balance Sheet Saint Thomas Federal Credit Union
Charlotte Amalie, VI 		Click to
Compare		 Click to
Compare		 Click to
Compare
Total Assets 88.55M
Total Deposits 68.93M
Capital and Reserves Saint Thomas Federal Credit Union
Charlotte Amalie, VI 		Click to
Compare		 Click to
Compare		 Click to
Compare
Capital 19.42M
Leverage Ratio 24.45
Loan Loss Reserves to Loans 1.54%
Liquidity Saint Thomas Federal Credit Union
Charlotte Amalie, VI 		Click to
Compare		 Click to
Compare		 Click to
Compare
Hot Money Ratio 1.37%
Liquidity Ratio 17.22%
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 1.27M
Net Interest Spread 5.18%
Operating Profit to Average Assets 2.24%
Overhead Efficiency Ratio 63.72%
Return on Assets 1.97%
Return on Equity 9.55%