HEADQUARTERED IN U.S. VIRGIN ISLANDS
U.S. Virgin Islands banks and credit unions
6 institutions headquartered in U.S. Virgin Islands. Totals describe institutions by headquarters, not deposits held at branches in the state.
U.S. Virgin Islands banks
- 1 banks headquartered in U.S. Virgin Islands reported $506 million in combined total assets for the quarter ended June 30, 2026.
- Institutions
- 1
- Combined total assets
- $506 million
- Combined deposits
- $394 million
- Deposit growth, 12 months
- n/a
- Loan growth, 12 months
- n/a
- Median net interest margin
- n/a
- Median return on assets
- n/a
- Median cost of deposits
- n/a
What stands out
- Merchants Commercial BankUnrealized securities position improving faster than peers
Largest banks
| Institution | City | Total assets | Deposit growth | ROA |
|---|---|---|---|---|
| Merchants Commercial Bank | St Thomas | $506 million | +2.3% | 1.88% |
Rankings
- Largest banks in U.S. Virgin Islands
- Fastest deposits growth in U.S. Virgin Islands
- Fastest loan growth in U.S. Virgin Islands
- Highest return on assets in U.S. Virgin Islands
All 1 banks headquartered in U.S. Virgin Islands
- Merchants Commercial Bank St Thomas
U.S. Virgin Islands credit unions
- 5 credit unions headquartered in U.S. Virgin Islands reported $168 million in combined total assets for the quarter ended June 30, 2026.
- Their combined shares and deposits were $134 million, down 0.7% from a year earlier among institutions that reported both quarters.
- The median net interest margin was 4.12%, and the median cost of all shares and deposits was 0.17%.
- Institutions
- 5
- Combined total assets
- $168 million
- Combined shares and deposits
- $134 million
- Share and deposit growth, 12 months
- -0.7%
- Loan growth, 12 months
- +2.7%
- Median net interest margin
- 4.12%
- Median return on assets
- 0.30%
- Median cost of shares and deposits
- 0.17%
What stands out
- Vitelco Employees Federal Credit UnionDelinquent loans rising while the peer median holds steady
- Mid-Island Federal Credit UnionAuto lending growing while the peer median shrinks
- Frederiksted Federal Credit UnionNet charge-offs rising while the peer median holds steady
Largest credit unions
| Institution | City | Total assets | Share growth | ROA |
|---|---|---|---|---|
| St. Thomas Federal Credit Union | Charlotte Amali | $90.0 million | +0.8% | 0.12% |
| Christiansted Federal Credit Union | Christiansted | $34.0 million | +1.7% | 1.95% |
| Frederiksted Federal Credit Union | Frederiksted | $24.1 million | -4.8% | 2.11% |
| Mid-Island Federal Credit Union | Christiansted | $17.9 million | -5.1% | 0.30% |
| Vitelco Employees Federal Credit Union | Charlotte Amali | $1.6 million | -3.2% | -5.01% |
Rankings
- Largest credit unions in U.S. Virgin Islands
- Fastest shares and deposits growth in U.S. Virgin Islands
- Fastest loan growth in U.S. Virgin Islands
- Highest return on assets in U.S. Virgin Islands
All 5 credit unions headquartered in U.S. Virgin Islands
- Christiansted Federal Credit Union Christiansted
- Frederiksted Federal Credit Union Frederiksted
- Mid-Island Federal Credit Union Christiansted
- St. Thomas Federal Credit Union Charlotte Amali
- Vitelco Employees Federal Credit Union Charlotte Amali