ST. THOMAS
Charter #7970 · Charlotte Amali, VI · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 8,995 ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 23.71% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 5.25% ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.15% sits at the 82nd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.27% sits at the 92nd percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | ST. THOMAS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $89.08M | 82th pct | 79th pct |
| Members | 8,995 | 92th pct | 92th pct |
| Net worth ratio | 23.71% | 98th pct | 90th pct |
| Return on average assets | 1.09% | 69th pct | 57th pct |
| Net interest margin | 5.25% | 97th pct | 98th pct |
| Cost of funds | 0.61% | 28th pct | 28th pct |
| Loan-to-share | 56.64% | 43th pct | 44th pct |
| Delinquency 60+ days | 1.15% | 76th pct | 82th pct |
| Net charge-off ratio | 1.27% | 93th pct | 92th pct |
| Loan growth YoY | 3.68% | 88th pct | 89th pct |
| Share growth YoY | -0.18% | 16th pct | 18th pct |
| Efficiency ratio | 71.98% | 30th pct | 51th pct |
structural peer set hash: 531b8e2780a589fc8bf8f2fb405ebb81… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.