FREDERIKSTED
Charter #8069 · Frederiksted, VI · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 2,982 ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 2.00% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 5.41% ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.17% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 2.37% sits at the 82nd 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 | FREDERIKSTED | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $24.36M | 47th pct | 51th pct |
| Members | 2,982 | 75th pct | 85th pct |
| Net worth ratio | 16.77% | 70th pct | 66th pct |
| Return on average assets | 2.00% | 94th pct | 97th pct |
| Net interest margin | 5.41% | 96th pct | 98th pct |
| Cost of funds | 0.17% | 11th pct | 8th pct |
| Loan-to-share | 32.56% | 12th pct | 39th pct |
| Delinquency 60+ days | 2.37% | 89th pct | 82th pct |
| Net charge-off ratio | 1.33% | 90th pct | 87th pct |
| Loan growth YoY | -9.16% | 9th pct | 18th pct |
| Share growth YoY | -1.84% | 13th pct | 11th pct |
| Efficiency ratio | 67.00% | 21th pct | 26th pct |
structural peer set hash: fb4936d85165148ff54976bf36a68f42… (reproducible)
Closest structural peers
This is the free public view
Claim FREDERIKSTED
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.