credit union · NCUA 7970 · VI
How big is ST. THOMAS?
ST. THOMAS (VI, NCUA charter 7970) reported total assets of $90.0M, 8,984 members and a net worth ratio of 23.49% in its Call Report for 2026Q2. That ranks 1915 of 4,299 federally insured credit unions by assets, 95 of 573 among credit unions with $50m-$100m in assets, 1 of 5 credit unions in u.s. virgin islands.
What stands out
ST. THOMAS (VI, NCUA charter 7970) reported total assets of $90.0M, 8,984 members and a net worth ratio of 23.49% in its Call Report for 2026Q2. That ranks 1915 of 4,299 federally insured credit unions by assets, 95 of 573 among credit unions with $50m-$100m in assets, 1 of 5 credit unions in u.s. virgin islands. Against its size class: net worth ratio 23.49%, above the peer median of 12.95%; loan-to-share ratio 56.50%, below the peer median of 60.93%; return on assets 0.60%, below the peer median of 0.73%. At 23.49% its net worth ratio is above the 7% NCUA threshold, which puts it in the "well capitalised" band of prompt corrective action; the regulator applies further tests, this page does not.
Key figures, 2026Q2
As filed with the NCUA; ratios computed by FACTANKER. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2026Q2 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $90.0M | $72.1M | — | $68.3M | record → |
| Shares and deposits | $70.3M | $61.4M | — | $58.3M | record → |
| Loans outstanding | $39.7M | $37.6M | — | $34.4M | record → |
| Net income (year to date) | $268.3k | $269.0k | — | $222.2k | record → |
| Net worth | $21.1M | $9.2M | — | $9.0M | record → |
| Net worth ratio | 23.49% | 12.95% | — | 12.65% | record → |
| Loan-to-share ratio | 56.50% | 60.93% | — | 68.70% | computed |
| Return on assets | 0.60% | 0.73% | — | 0.71% | computed |
| Members | 8,984 | 5,030 | — | 4,818 | record → |
Quarter by quarter
45 Call Reports on record, 2015Q2–2026Q2; the 40 most recent shown.
| Quarter | Total assets | Shares | Loans | Net income YTD | Net worth ratio | Members | Rank |
|---|---|---|---|---|---|---|---|
| 2026Q2 | $90.0M | $70.3M | $39.7M | $268.3k | 23.49% | 8,984 | 1915 |
| 2026Q1 | $89.1M | $69.8M | $39.5M | $242.0k | 23.71% | 8,995 | 1934 |
| 2025Q4 | $89.3M | $69.5M | $40.1M | $14.9k | 23.37% | 8,906 | 1925 |
| 2025Q3 | $89.7M | $69.9M | $38.1M | $-29.3k | 23.28% | 8,817 | 1923 |
| 2025Q2 | $89.1M | $69.8M | $38.6M | $-201.5k | 23.25% | 8,754 | 1935 |
| 2025Q1 | $88.5M | $69.6M | $38.4M | $-389.8k | 23.20% | 8,686 | 1941 |
| 2024Q4 | $86.8M | $69.0M | $38.4M | $614.7k | 24.08% | 8,643 | 1946 |
| 2024Q3 | $88.5M | $68.9M | $37.1M | $1.3M | 24.42% | 8,568 | 1936 |
| 2024Q2 | $87.1M | $69.0M | $37.0M | $851.5k | 24.32% | 8,477 | 1954 |
| 2024Q1 | $84.8M | $67.1M | $36.5M | $473.5k | 24.56% | 8,406 | 1984 |
| 2023Q4 | $84.2M | $66.9M | $36.1M | $1.1M | 24.17% | 8,330 | 1980 |
| 2023Q3 | $82.8M | $67.2M | $34.7M | $949.1k | 24.45% | 8,247 | 2000 |
| 2023Q2 | $82.5M | $66.9M | $34.4M | $621.6k | 24.13% | 8,192 | 2013 |
| 2023Q1 | $83.2M | $66.6M | $33.5M | $267.9k | 23.34% | 8,133 | 2026 |
| 2022Q4 | $82.8M | $66.6M | $33.0M | $634.1k | 23.35% | 8,056 | 2017 |
| 2022Q3 | $82.6M | $66.8M | $30.8M | $498.2k | 23.25% | 7,969 | 2037 |
| 2022Q2 | $82.2M | $65.3M | $30.0M | $271.4k | 23.11% | 7,887 | 2048 |
| 2022Q1 | $81.8M | $64.4M | $29.5M | $166.8k | 23.08% | 7,837 | 2057 |
| 2021Q4 | $81.6M | $62.9M | $29.8M | $658.1k | 22.93% | 7,791 | 2036 |
| 2021Q3 | $80.8M | $62.0M | $29.8M | $508.9k | 22.98% | 7,786 | 2035 |
| 2021Q2 | $79.3M | $60.4M | $30.2M | $344.3k | 23.21% | 7,741 | 2045 |
| 2021Q1 | $77.7M | $59.0M | $29.9M | $161.0k | 23.45% | 7,673 | 2065 |
| 2020Q4 | $76.1M | $57.2M | $30.7M | $932.3k | 23.72% | 7,642 | 2026 |
| 2020Q3 | $75.5M | $56.9M | $31.3M | $570.7k | 23.43% | 7,620 | 2015 |
| 2020Q2 | $73.9M | $55.4M | $30.9M | $77.8k | 23.65% | 7,185 | 2027 |
| 2020Q1 | $70.6M | $52.7M | $30.1M | $127.4k | 24.41% | 7,498 | 2007 |
| 2019Q4 | $69.1M | $51.6M | $30.2M | $940.6k | 24.77% | 7,486 | 1995 |
| 2019Q3 | $67.7M | $50.6M | $29.4M | $724.5k | 24.98% | 7,442 | 2012 |
| 2019Q2 | $66.9M | $50.2M | $29.6M | $433.2k | 24.82% | 7,428 | 2028 |
| 2019Q1 | $66.1M | $50.1M | $29.4M | $350.8k | 24.72% | 7,411 | 2043 |
| 2018Q4 | $65.1M | $49.1M | $29.1M | $522.9k | 24.71% | 7,359 | 2039 |
| 2018Q3 | $64.7M | $49.1M | $28.8M | $304.8k | 24.48% | 7,341 | 2049 |
| 2018Q2 | $63.9M | $48.5M | $28.6M | $27.6k | 24.35% | 6,895 | 2069 |
| 2018Q1 | $63.5M | $48.0M | $28.9M | $84.9k | 24.65% | 7,386 | 2084 |
| 2017Q4 | $61.2M | $45.6M | $29.7M | $195.2k | 25.50% | 7,355 | 2098 |
| 2017Q3 | $59.9M | $44.0M | $30.0M | $210.3k | 26.09% | 7,327 | 2136 |
| 2017Q2 | $58.7M | $43.1M | $29.8M | $90.4k | 26.42% | 7,280 | 2169 |
| 2017Q1 | $58.1M | $42.6M | $30.0M | $597 | 26.53% | 7,127 | 2184 |
| 2016Q4 | $56.9M | $41.2M | $30.8M | $203.4k | 27.32% | 7,075 | 2184 |
| 2016Q3 | $57.1M | $41.4M | $29.6M | $169.3k | 27.14% | 6,992 | 2181 |
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