# ST. THOMAS
Charlotte Amali, VI · NCUA charter 7970 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/st-thomas-7970

Who the members are: federal charter, multiple common bond, organized 1952, low-income designated, minority depository institution. 8,995 members of 9,500 potential (94.7% of the field); checking penetration 3% (share draft accounts per 100 members); loans per 100 members 55.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $89.1M |
| Members | 8,995 (3.6% YoY) |
| Full-time staff | 19 |
| Net worth | $21.1M |
| Net worth ratio | 23.7% (p98 of band) |
| ROA (annualized) | 1.09% (p69 of band) |
| Total delinquency | 1.15% (p76 of band) |
| Net charge-offs (annualized) | 1.28% (p93 of band) |
| Loans / shares | 57% (p43 of band) |
| Cash / assets | 11.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.26% (p98 of band) |
| Operating expense / assets | 4.31% (p74 of band) |
| Vehicles % of loans | 38% (p42 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 1.47% (p82 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 57% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 95% |
| Certificates % of member funds | 5% |
| Average share balance | $5,258 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 55% |
| Loans granted per 100 members, annualized | 19% |
| Average loan balance | $8,037 |
| Loans granted, annualized | $14.8M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **charge-offs p90** (`aq_nco_high`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | charge-offs p90 |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | net worth falling, delinquency 2x band | charge-offs p90 |
| 2016-12 | 0 |  | net worth falling, delinquency 2x band |
| 2017-03 | 2 | delinquency rising, charge-offs p90 |  |
| 2017-06 | 2 | net worth falling, delinquency 2x band | delinquency rising, charge-offs p90 |
| 2017-09 | 3 | delinquency rising |  |
| 2017-12 | 2 | charge-offs p90 | delinquency 2x band, delinquency rising |
| 2018-03 | 3 | delinquency 2x band, delinquency rising | charge-offs p90 |
| 2018-06 | 5 | margin squeeze, charge-offs p90, members leaving | delinquency rising |
| 2018-09 | 2 |  | net worth falling, margin squeeze, members leaving |
| 2018-12 | 3 | delinquency rising |  |
| 2019-03 | 1 |  | charge-offs p90, delinquency rising |
| 2019-06 | 2 | charge-offs p90 |  |
| 2019-09 | 1 |  | delinquency 2x band |
| 2019-12 | 0 |  | charge-offs p90 |
| 2020-03 | 1 | net worth falling |  |
| 2020-06 | 3 | expense trap, members leaving |  |
| 2020-09 | 2 | margin squeeze | expense trap, members leaving |
| 2020-12 | 1 |  | net worth falling |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 | net worth falling | margin squeeze |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | net worth falling |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 1 | delinquency rising |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 0 |  | delinquency rising |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 3 | net worth falling, losing money, delinquency rising |  |
| 2025-06 | 2 |  | net worth falling |
| 2025-09 | 2 | charge-offs p90 | delinquency rising |
| 2025-12 | 2 | delinquency rising | losing money |
| 2026-03 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-02-17 [PenFed Credit Union Expands to U.S. Virgin Islands with New St. Thomas Financial Center - PR Newswire](https://news.google.com/rss/articles/CBMi1wFBVV95cUxPRFZ2XzJkRGlfVWhjVTh2U2dMTko3dzlYNlJZVm9hbWxETEg2SVU0X2NoZUZSejRzUktLZUE1V0o0eUZlcFNNUUNBQW82YUVjTUJjNmY2NldUajZfdUlpaVZZckpjVmRMSkZnZFFza3lWaHh0V3Z3Tk1EN1NSNXp5R0FCUkl3VUlFdlJHeFNScUxWMW9lV3BVWHZWdGRVNmN5M2IxOXBObnRpd2ZtZXo5U2dFQTE4ekpJbVo5LUl3ZGtJSGdQUkx0Q3o1c2preE1aWTVkV1hiTQ?oc=5) · PR Newswire
- 2025-12-21 [St. Thomas Federal Credit Union Breaks Ground on New Facility - stthomassource.com](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPRmdUZkdEeDhxX0htYnU0UjFiaTlVcXhYUjBmYWNyZ3VYQUNmaG5BcV9KbllMNllBMGt3bENTR1JCQ3ZMemN2VlFyTktyU3BZN3Z0WGx5Q2JlLW1CT0Y1QnpuSG50R1VDOHF0NTN1YTlBX3BBX0JUdEphd1pwLTQyWTBRd1UtekNEbkd6dDBpdV9PTkFaU1kwYWdOV0FieEpQUkVTLVhhM1p4b0k?oc=5) · stthomassource.com
- 2025-12-29 [St. Thomas Federal Credit Union Awards $20,000 in Second Round of Community Give Back Grants - The Virgin Islands Consortium](https://news.google.com/rss/articles/CBMi5wFBVV95cUxQQjZKMHZ0a1RqV3c4ZHNKSERQSHZ6bms2LS1sczE5N1JUcDVad1ozYXNzRFpUcE1kbkFZWEJ4UnRoTzA3dkpNZ0VCMXVnTl9VZDUwZWMyNGVOdnJScW5MRmIzWkQyRDA1UTBSSnZMb0Q0U0V1RWp5ekhLanFZa2E2SmNkMjVOS0tPMlNHUFlsQkI2WklRUGJBV3pDYmgtZEpfX25FcmdQR1AyVmxreUVyV2s1MDZRNzFENTg1NGNqRWFHa3dMbzNaRHQ4Tzk5ZUgzR3VhZlZwUlU3bGtaYkdualRTanRESzg?oc=5) · The Virgin Islands Consortium
- 2025-10-23 [Local credit union awards $30K in community grants to three nonprofits - The Virgin Islands Daily News](https://news.google.com/rss/articles/CBMi9gFBVV95cUxPU3VOZXBFODM1dTZnZVVBUFM3ci1pNjFwYVM2ZUx3cXphZGY1WFpUQkRBN2VvUTZMNGhJdzJBTTJsa2pMUUdPUFd3YTFlR1RILTg1S1E1QUpnUlFwY3VibnpmamsxdTgwX1dYbjgzRk5aaDZ1MGpHOFdTYUV6cHFqRzRQcU9CMHJMeWl6SmlpR1lVRWdBTXdSWXhCWnNQVVZ4eGZZX0d5Y0VnZ2ZlSWlWS3g0bFA4akpxa0x0aXg2U2duRmpKRFgxN1NBSWZuMEVlbWxTNFF5T01rYUpWcDNocHdVVG1KZFc0SGVKZzZDb3RycHVZWWc?oc=5) · The Virgin Islands Daily News
- 2026-02-28 [Results & winners from Kansas boys and girls state wrestling championships - Kansas City Star](https://news.google.com/rss/articles/CBMidkFVX3lxTFBJZUgzYUJaZ3FoY2MxNHhuNkZvTFJZNnJmRjhmUnNvLVZOWElEN002LU84SjE4Vm04Vmd2RkIyWUM5VUN2V1JPTk5Qc0VySmd6aTZpVFdPSUxiZnNFR04zcENVZFYwXzJZY1l0Ymlxemt6dnYxT1HSAXZBVV95cUxOTDFMaldLUjdRZ2JGeVk2RFY1Qm91aDlNZjBISnhQcHBJN3pjRlQ5Tk5XUlk1YVh2OW9WWi1PNVk4UjUzSGNueFRmTzhra0ZRUHQ3eHZDQWExZ3FmTGM2Rzg5bFppN0lOcU5na2YyVUdTNkZ0WEZB?oc=5) · Kansas City Star
- 2026-01-08 [PenFed Opens first St. Thomas Financial Center at Tutu Park Mall - stthomassource.com](https://news.google.com/rss/articles/CBMirwFBVV95cUxOczlyMndaVXkwSklGTDEyUENuUjdZWTVSVzBPMWYwRVVlX0x1Q3FXTEZvTi01c0w2M2FmZzFkUklWX2ZlSHlxZlM1Wk5RbXNwVXdLbjBnMUtEYVpJYkVQN04tQVlWZzdhMzFPemo3Y1ZsZUVlZkFHLTlKX2M4Y0NXMUhRdFhEanpZZXRKaEFldFBrakhLYjZlRDJlXzdlSXF3Tmowc2k5WDUxa3AyN1JF?oc=5) · stthomassource.com
- 2026-06-26 [St. Thomas Federal Credit Union donates $10K to WTJX, distributes $50K in grants to seven nonprofits - WTJX Newsfeed](https://news.google.com/rss/articles/CBMizgFBVV95cUxNUVI0cU5JdVZ1NTNHRkpMM0hSbjZ2R2pyc2N2ZVlzYmhUZ01XQzh2TUJrQUR5VDFzR2wxU1lTelZ3dFVlWktKS2w3aDBIUHFKMHZoZ0loVnJUQWZxdjRhYnNtTFZISFdxdDE3bEkzQkp6SkhFN1NlaVA1T2xlLWpValNFUTBSUWpOTUtaZlZFY0hLRDROVThZQ1dTVjJzbHJrWkVVZVlxREJtbHF3YVk0LXp5QTUxLTFBN1NheFJnVzRGYTFabTJ1VlRuS3dWZw?oc=5) · WTJX Newsfeed
- 2026-02-23 [Pentagon Federal Credit Union Launches First Physical Location in USVI - The Virgin Islands Consortium](https://news.google.com/rss/articles/CBMivwFBVV95cUxQTVB0OGtKTkxxMDRNNDVETElZUHRlRmdhLTFKTmQ3N19mVjJXUXJTZWRtVFdZdi1HMXdNVDFEYmhsM0xhZXptczVWR1hzenpjc3FiMGVOQWs5bFhZc2pmU0dtdVlHUW01U1RQSk1ZNGRrZ2dkd3RnNUlYTDhZd2N4TUdwWXZ1NGMzcnVMRnZaM1JmMmNPbWdvQXZ4T0RDNkFSQnFTZmF0Z0tMMGpRLTVnQVpRRVF5WFRiVjdhTXRXYw?oc=5) · The Virgin Islands Consortium

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=7970 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/34.json (key "7970", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=7970
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide