A
Saint Thomas Federal Credit Union
Rating Date
December 2025
Net Capital
Ratio
21.80
Leverage
Ratio
23.30
Return On
Assets
-0.04%
Total
Assets
89.69M
Capital
19.55M
Total
Deposits
69.94M
Net
Income
-29.00K
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Weiss Ratings Saint Thomas Federal Credit Union
Charlotte Amalie, VI 		Click to
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Rating A
Asset Quality Index 9.90
Capitalization Index 10.00
Liquidity Index 4.60
Profitability Index 4.70
Stability Index 7.40
Company Info Saint Thomas Federal Credit Union
Charlotte Amalie, VI 		Click to
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NCUA Charter Number 1711
Phone Number (340) 774-1299
Website stthomasfcu.com
Asset Quality Saint Thomas Federal Credit Union
Charlotte Amalie, VI 		Click to
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1-Year Asset Growth 1.29%
5-Year Asset Growth 4.68%
5-Year Charge-Offs to Average Loans 0.26%
Charge-Offs to Average Loans 1.19%
Non-Performing Assets to Assets 0.18%
Non-Performing Loans to Capital 0.78%
Non-Performing Loans to Loans 0.42%
Balance Sheet Saint Thomas Federal Credit Union
Charlotte Amalie, VI 		Click to
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Total Assets 89.69M
Total Deposits 69.94M
Capital and Reserves Saint Thomas Federal Credit Union
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Capital 19.55M
Leverage Ratio 23.30
Loan Loss Reserves to Loans 1.99%
Liquidity Saint Thomas Federal Credit Union
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Hot Money Ratio 1.50%
Liquidity Ratio 12.72%
Profitability Saint Thomas Federal Credit Union
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5-Year Return on Average Assets 0.98%
Net Income -29.00K
Net Interest Spread 5.70%
Operating Profit to Average Assets 1.84%
Overhead Efficiency Ratio 84.57%
Return on Assets -0.04%
Return on Equity -0.20%