CHRISTIANSTED
Charter #7989 · CHRISTIANSTED, VI · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 3,351 ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 2.00% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.23% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.02% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 52.37% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
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 | CHRISTIANSTED | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $33.74M | 69th pct | 75th pct |
| Members | 3,351 | 82th pct | 82th pct |
| Net worth ratio | 20.31% | 86th pct | 69th pct |
| Return on average assets | 2.00% | 95th pct | 95th pct |
| Net interest margin | 4.23% | 69th pct | 82th pct |
| Cost of funds | 0.64% | 41th pct | 43th pct |
| Loan-to-share | 45.67% | 29th pct | 39th pct |
| Delinquency 60+ days | 0.02% | 12th pct | 25th pct |
| Net charge-off ratio | 0.25% | 59th pct | 72th pct |
| Loan growth YoY | 3.62% | 90th pct | 89th pct |
| Share growth YoY | 0.08% | 27th pct | 36th pct |
| Efficiency ratio | 52.37% | 4th pct | 5th pct |
structural peer set hash: 8d638e79ed519939dcd349fa7f3a0f2e… (reproducible)
Closest structural peers
This is the free public view
Claim CHRISTIANSTED
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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.