# CHRISTIANSTED
CHRISTIANSTED, VI · NCUA charter 7989 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/christiansted-7989

Who the members are: federal charter, government (single sponsor), organized 1952, low-income designated, minority depository institution. 3,351 members of 20,911 potential (16.0% of the field); checking penetration 9% (share draft accounts per 100 members); loans per 100 members 26.

**Verdict on the desk:** this could be *auto monoline*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $33.7M |
| Members | 3,351 (-0.9% YoY) |
| Full-time staff | 5 |
| Net worth | $6.9M |
| Net worth ratio | 20.3% (p75 of band) |
| ROA (annualized) | 2.00% (p93 of band) |
| Total delinquency | 0.02% (p18 of band) |
| Net charge-offs (annualized) | 0.25% (p67 of band) |
| Loans / shares | 46% (p32 of band) |
| Cash / assets | 40.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.22% (p64 of band) |
| Operating expense / assets | 2.32% (p16 of band) |
| Vehicles % of loans | 67% (p59 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.00% (p16 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 30% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 86% |
| Certificates % of member funds | 14% |
| Average share balance | $6,305 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 26% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $14,002 |
| Loans granted, annualized | $4.6M |

## Flags firing in the latest filing

- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | delinquency 2x band |
| 2016-12 | 0 |  |  |
| 2017-03 | 3 | margin squeeze, members leaving, loan book shrinking |  |
| 2017-06 | 4 | delinquency 2x band |  |
| 2017-09 | 4 | delinquency rising | margin squeeze |
| 2017-12 | 4 | margin squeeze | delinquency 2x band |
| 2018-03 | 3 | net worth falling | delinquency rising, margin squeeze |
| 2018-06 | 4 | losing money, margin squeeze | members leaving |
| 2018-09 | 4 | members leaving | net worth falling |
| 2018-12 | 2 |  | margin squeeze, members leaving |
| 2019-03 | 1 |  | losing money |
| 2019-06 | 2 | members leaving |  |
| 2019-09 | 0 |  | loan book shrinking, members leaving |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | net worth falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 3 | margin squeeze, delinquency rising |  |
| 2021-03 | 3 | charge-offs p90 | delinquency rising |
| 2021-06 | 2 |  | charge-offs p90 |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 | delinquency rising | margin squeeze |
| 2022-06 | 1 | auto monoline | net worth falling, delinquency rising |
| 2022-09 | 1 |  |  |
| 2022-12 | 2 | delinquency rising |  |
| 2023-03 | 1 |  | delinquency rising |
| 2023-06 | 2 | delinquency rising |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 1 |  | delinquency rising |
| 2024-03 | 2 | delinquency rising |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 1 |  | delinquency rising |
| 2025-06 | 1 |  |  |
| 2025-09 | 2 | delinquency rising |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 1 |  | delinquency rising |

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

- 2016-11-17 [V.I. Creating New Laws to Regulate Credit Unions, Insurance Companies - stthomassource.com](https://news.google.com/rss/articles/CBMitAFBVV95cUxQUDFYcHRwRWc2OVNfdmdIYTBjRDhEVlZRdnNITUdKdWltaElJY3JfWGhuZGdNeVFwNE1XQlpUQUJyb3B0V3ZSRm1JOTlRc3BkYU1oQ3BMTWlyREozVHBBOUM0Wnd2MXNCQWp6QjhkQTdfSUlsMWRWZTVxaUZvZlNQU1FKN3prTWloR004TjFINGJtX0lKYVN4V1NoaVpNbDlnSjJhaFdGeFZvZmhQUHlxdkw5R24?oc=5) · stthomassource.com
- 2024-11-14 [Governor Bryan Proclaims William S. Harvey Jr. Day in the Virgin Islands - vi.gov](https://news.google.com/rss/articles/CBMikAFBVV95cUxQZi1rWVZXMExfRkp4dUNWbkdkWHpJOGFiN04xQk9YME80T3ZsTG1HWHRQZlotSzByeVVEcUxXVHQ1U1h6RmtscTN5anVfWTNLUVc5dVhiTGliUVB3ZTBqdVVoRVVBM2x3WUNNeGhmNFlFY0dtemplQ19xaTZqYU5UZVgwb0VUQndXWEs3YWRUOHQ?oc=5) · vi.gov
- 2025-05-22 [Elderly Man, in Fear For His Life, Gives Thousands of Dollars to Alleged Extortionist; Police Arrest Suspect - The Virgin Islands Consortium](https://news.google.com/rss/articles/CBMi9wFBVV95cUxQWXRmbWhDTkZOdlc3LXBtM1oyY0lqT3dscVZzaXlsZUc5eWMxX1dXNzNVOElSWjFrZVk1MW9nQVZFeGNWeW9aSXZmS0IyUUxLVXJSLVlaSnV4R3hQMWxvVTVDZU5BUkxnTm5fUUZXZFV2eV8tQXVmd3hXME9wdGtnbGc3LW5IX24waWh3ZDY4aWRucUFNb0tnYXRUM3NKZDRnVGs5Rk5MYmRzUzhzaGp3dmx1Z09ucTJtbU5Fd3Q2VGZRZ0hvZ200UGxXNHZEeUcyV3lBbTFOcEpweTRhMnVhQ25YYTFGRW5CWmd2aXBaX3VjYmJNVXlz?oc=5) · The Virgin Islands Consortium
- 2025-11-08 [V.I. Office of Veterans Affairs Announces 2025 Veterans Day Parade Routes for St. Croix and St. Thomas - The Virgin Islands Consortium](https://news.google.com/rss/articles/CBMi9AFBVV95cUxPdVkxMjFNZXdhTnlpRGhqRXA4N3JvSXFrUGsxdmpZeVBDRkc0ZXBmQnFfb1NMUTNDVFBkZExFYnpadHQyOHREdEI5S3YyZHY1aXZGbTB6Z2FMVmpPWVpuaEhsMkxRQ1Q5ZC1EOVVVa2kzaEp3ZThWMFRoR1hOMU0zQXhXMEhPRTFsNW5QdFBSWnkxdkJoXzlid2lYVmNJZlhOYVRMRl9PbVBCX1A1Z0lnN2ZMbENGaGpYM1RfdnloeVdtNHRvZEVQcFJwN05QTlJHSFRtRlRmUHRZM2VQWGhudm9tbE5tWWNwcWNDS3lXMndwMkRU?oc=5) · The Virgin Islands Consortium
- 2025-12-04 [Weekend Block Party and Cultural Event to Temporarily Shut Down Key Roads - The Virgin Islands Consortium](https://news.google.com/rss/articles/CBMizgFBVV95cUxPOC1FRzBVOEZINE5tX2hiQjFaRi1xQ2NVc3o3Qm5mVFhLNkVBUlg5UmNrcDE0bjE5a19yZlRnNUpDX3VCRllTMWN6SjVrSTBoVzJ6RGpWR3hGY2xYUTBieXNEQjNVSjh5U0RqYlVvcWNfVS1jdXlMT2N0TGx2RDQ2dmJYbVJYb0cyWWY2NE1FQWMzN0lYNjF4dEFLMkx4NnNjbFVuOWZ3ZFF3eW4zN1M1RDdKYUQ2SGZUbzhNMHFsNFZVd21BNmVlY0RCekRiZw?oc=5) · The Virgin Islands Consortium
- 2019-11-11 [Concerned Residents Clean Christiansted Town Using Their Own Tools, Money, and Some Help from the VI Fire Service - The Virgin Islands Consortium](https://news.google.com/rss/articles/CBMi4gFBVV95cUxPWEZ4SmlPRE54dEk1S2NxN1ViT0xuZE5xTDJUcnJtelprODZqZ0hhUFVPd29rSHNxZVBQbkRlSE1YNWRfaVpuS0xVdXNIVkhWbHJwSXJCT0NuM3VpcHUtUTFyaEh0Wno4VFZDQ1NDeDhNTGtQdHFqMVRYamVZMl9UTkg2NkJndXItWXp4d1FxYXJPX25Kd0dlTDk4UE9RdHdrdGx0ZWpzbDZzdG9qZHNta1dQTklVR2pobE1DWE1KNmtGOE5zOG9Nb3lKWlpzU0hMTVdFY1gyNVk4ZW1JaExhLU9R?oc=5) · The Virgin Islands Consortium
- 2021-03-07 [St. Croix's Booming Street Art Scene Aims to Boost Community Morale - The Virgin Islands Consortium](https://news.google.com/rss/articles/CBMisgFBVV95cUxQXy1BVE85bm5NTnBSRnBjSHdXODJ6RFEzSHpUSVlZOFlHNWRuVDhNS190MHc2TlducDdTUUVITkkwTTl3dUM0Y1lncTlNTEF0ZjVPTjd5S0xEWTZCcUpOV0xtLTFibmM3WExpZ0JvSXhJRXh3SHBiR2hnODc3cDdna2FDU3hKRU1PSmhLUGhhUHRPSDlKYnBVWV9HVy1JQzlvY0hFRmxrRmpkTlVhVzhiSVRR?oc=5) · The Virgin Islands Consortium

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=7989 (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/53.json (key "7989", 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=7989
- 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