ST. THOMAS
Federal • Charlotte Amali, Virgin Islands • Est. 1952
Quick Facts
- Charter Number
- #7970
- Type
- Federal
- Established
- 1952
- Headquarters
- Charlotte Amali, Virgin Islands 00804-1138
- Address
- P.O. Box 1138
- Branches
- 2
- ATMs
- 4
- Members
- 8,906
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
8,906 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | ST. THOMAS |
|---|---|
| Total Assets | $89.3M |
| Members | 8,906 |
| Loans Outstanding | $40.1M |
| Shares & Deposits | $69.5M |
| Net Worth | $20.9M |
| Net Worth Ratio | 23.37% |
| Loan-to-Share Ratio | 57.7% |
| Delinquency Rate | 0.94% |
| Net Income | +$691,260 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
2 locations · 4 ATMs
STTFCU
Main Office5027 Norre Gade
Charlotte Amalie, VI 00802-6749
CU SOUTH
23210 US Highway 98 Ste B1
Fairhope, AL 36532-3397
Who Can Join ST. THOMAS?
Membership Type: Community
Membership eligibility for ST. THOMAS may vary. Contact the credit union directly to confirm qualification requirements.
Contact ST. THOMAS directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Virgin Islands RankingsFrequently Asked Questions
Yes. ST. THOMAS is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, ST. THOMAS has 8,906 members and a potential membership field of 9,000 people.
ST. THOMAS's net worth ratio is 23.37% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 23.4%, ST. THOMAS meets this threshold.
ST. THOMAS operates 2 branch locations and has access to 4 ATMs. The main office is located at 5027 Norre Gade, Charlotte Amalie, VI 00802-6749.
ST. THOMAS was established in 1952. It is a federal credit union chartered under charter number 7970. The institution has been serving members for 74 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or ST. THOMAS. All financial data is for informational purposes only.