# FREDERIKSTED
Frederiksted, VI · NCUA charter 8069 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/frederiksted-8069

Who the members are: federal charter, community charter, organized 1952, low-income designated, minority depository institution. 2,982 members of 7,874 potential (37.9% of the field); checking penetration 36% (share draft accounts per 100 members); loans per 100 members 28.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $24.4M |
| Members | 2,982 (1.8% YoY) |
| Full-time staff | 8 |
| Net worth | $4.1M |
| Net worth ratio | 16.8% (p61 of band) |
| ROA (annualized) | 1.98% (p93 of band) |
| Total delinquency | 2.37% (p82 of band) |
| Net charge-offs (annualized) | 1.37% (p90 of band) |
| Loans / shares | 33% (p16 of band) |
| Cash / assets | 12.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.36% (p91 of band) |
| Operating expense / assets | 4.02% (p60 of band) |
| Vehicles % of loans | 61% (p49 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 2.22% (p82 of band) |
| Vehicle NCO | 1.05% (p87 of band) |
| Repossessed % of vehicle book | 0.73% (p98 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 29% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 94% |
| Certificates % of member funds | 6% |
| Average share balance | $3,776 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 28% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $7,657 |
| Loans granted, annualized | $1.9M |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **repo signal** (`aq_repo`)
- **loan book shrinking** (`shrink_loans`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | delinquency 2x band, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 3 | net worth falling |  |
| 2016-12 | 4 | repo signal |  |
| 2017-03 | 7 | losing money, margin squeeze, loan book shrinking |  |
| 2017-06 | 6 |  | net worth falling |
| 2017-09 | 6 | delinquency rising | auto monoline |
| 2017-12 | 7 | net worth falling, charge-offs p90 | delinquency rising |
| 2018-03 | 7 |  |  |
| 2018-06 | 8 | thin capital |  |
| 2018-09 | 7 |  | charge-offs p90 |
| 2018-12 | 6 |  | repo signal |
| 2019-03 | 5 | members leaving, auto monoline | losing money, margin squeeze, loan book shrinking |
| 2019-06 | 3 |  | net worth falling, members leaving |
| 2019-09 | 3 |  |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 4 | net worth falling |  |
| 2020-06 | 4 |  |  |
| 2020-09 | 4 |  |  |
| 2020-12 | 3 |  | delinquency 2x band |
| 2021-03 | 3 | delinquency 2x band | net worth falling |
| 2021-06 | 3 |  |  |
| 2021-09 | 3 |  |  |
| 2021-12 | 4 | delinquency rising |  |
| 2022-03 | 3 |  | delinquency rising |
| 2022-06 | 3 |  |  |
| 2022-09 | 2 |  | thin capital |
| 2022-12 | 1 |  | delinquency 2x band |
| 2023-03 | 2 | delinquency 2x band |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 3 | assets shrinking |  |
| 2023-12 | 4 | delinquency rising |  |
| 2024-03 | 4 | members leaving | delinquency rising |
| 2024-06 | 4 | repo signal | delinquency 2x band |
| 2024-09 | 4 | delinquency 2x band | assets shrinking |
| 2024-12 | 2 |  | repo signal, delinquency 2x band |
| 2025-03 | 3 | repo signal |  |
| 2025-06 | 4 | delinquency 2x band, delinquency rising | members leaving |
| 2025-09 | 3 |  | delinquency rising |
| 2025-12 | 4 | delinquency rising |  |
| 2026-03 | 5 | loan book shrinking |  |

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

- 2026-04-28 [Armed man flees after alarm sounds during attempted robbery at Frederiksted Federal Credit Union - WTJX Newsfeed](https://news.google.com/rss/articles/CBMizgFBVV95cUxQRTJHRWZGY2IxMVJJQjVqRHdBMjd0R0dhbllrMXRYTkgtQzVfaXd4N2ZfcmZIeXpiR3llczYtcmdCd3hSUTZTb0lpaW8zc2ROVjQzVnR1TTFLTzlxY1Y0X2dyWl9VSUZ1R2JZZk5NTkVwV0xBNXQwb2VSTjBCcFJIU2FlY3VXbEE0X3Zzb05rZF8xSzhDNjA3c2QxaWFHOG10OXZHYU1uVkVSUndCbXZpVi1NZGF1ZTRMelRWZ0EwaGtMcDdMQW13a1FsTVlBQQ?oc=5) · WTJX Newsfeed
- 2025-06-27 [18-year-old Man Arrested for Crimes Committed as a Minor - Government of the United States Virgin Islands (.gov)](https://news.google.com/rss/articles/CBMiigFBVV95cUxOMF9FTTI2REkyOF9CbjRxbHhpN1REUkdtSXBuNmdsUldhOXpmVWRnOEJBM0tjT2puWnIxTEFZY0EzX3ZHZnNBXzZHWEF4OXQ5ZWtaMjJBakFKRElhcXVVV0RZUG14YWxLcmcxeFpQdnVtcmx4SnBwOGNDRTZYeV9iYWhCbnlJNlEwOGc?oc=5) · Government of the United States Virgin Islands (.gov)
- 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
- 2021-08-06 [Viya Offices Closed Territory-Wide Through Tuesday - The Virgin Islands Consortium](https://news.google.com/rss/articles/CBMisAFBVV95cUxPSUlxUGZjLWdjckoteXpkeGpfZzZwc3hLLVVKZXAwcTByejIwRVc2MVdMbWc5N2NXRWlvMERBaHp1UTJ2V3RWaHQ4eVMwazdPX1Z6THR4S3VZc1BNRkhOa29xSnNwS1k2SEJWMUZGQkRmc1JDeUNWRC02cnN3dXNFN3FWUTRCemRYOURJblhGS0NBSkpEOVR2aF9tbnotbmhubVNoQ3BkUWU5VjJOTHY4bg?oc=5) · The Virgin Islands Consortium
- 2025-06-26 [18-Year-Old Arrested and Charged for Shooting and Armed Robbery Committed as a Minor - The Virgin Islands Consortium](https://news.google.com/rss/articles/CBMi1wFBVV95cUxOYWJUbUNMZHJ6MTdpaU84WFdyR2VPZTVUMHY3d2hXalpScWVuUFQxSzNtUjB5Q0w2S2FKQ19YcHo1RTFmbHVLNnhIeGVIOUtKYVp4MzFqX2tqN1RDQ3gzOXF3MnpqVE04eDljQklReVRnX2hmM2ZDYTl0ZUJxUmc1ZkhiTWp3SS1Gd3daSXBEd3FmWFR2Wkd1SVNyTUFWRFhfUEE2dHlTYXZxb2dGdGNSbHhlYWhpMEhjYVB1Smt4UjA5NEFSZU4zQ29lNGpCdjZoc1NUY191SQ?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
- 2023-11-20 [Shooting Near Frederiksted Bar Claims Life of 49-Year-Old Man - The Virgin Islands Consortium](https://news.google.com/rss/articles/CBMirwFBVV95cUxOSGdmYXJ4aDhPbkNJVVpDeEZrZHNZNGNvRVh6X1pBcTkwaGRXVmFPdFY4enBkZkQzbmhPdXVqNzdVbUtsS09TTERyZUxOaGZNNmlaeHB6TGo5UHF0cm1VSlRFdUcyRjZSVjZQVEhUNm1tc0hjcTVWVUs3UXdUOHFxVTNLWjVMaGZHTE9rMjZxZE5xckFnNlJrSUlnMEZWbzU5end5b3VGNXlWSWR4dDlr?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=8069 (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/5.json (key "8069", 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=8069
- 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