Charter 23294 · Charlotte Amalie, VI
Vitelco Employees Federal Credit Union
Vitelco Employees Federal Credit Union is a federally chartered credit union in Charlotte Amalie, U.S. Virgin Islands, with $1.6 million in assets and 330 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 5.14%, below the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $1.6 million
- -6.2% in a year
- Members
- 330
- -0.9% in a year
- Net worth ratio
- 5.14%
- Peer median 19.32%
- Loans 60+ days late
- 7.42%
- Peer median 0.66%
- Loans outstanding
- $443 thousand
- +21.6% in a year
- Shares and deposits
- $1.5 million
- -3.2% in a year
- Branches
- 2
- 4 employees
- Opened
- 1979
- Federal charter
How Vitelco Employees Federal Credit Union compares
NCUA groups credit unions by size; Vitelco Employees Federal Credit Union is in the group with under $2 million in assets (232 credit unions). Its net worth ratio of 5.14% is lower than that group's median of 19.32%, and its share of loans 60 or more days past due, 7.42%, is higher than the group median of 0.66%. Loans grew 21.6% over the year to Q2 2026, against a group median of a 7.3% fall.
By assets it ranks 5 of 5 credit unions headquartered in U.S. Virgin Islands. See all U.S. Virgin Islands credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $1.6 million | 330 | $443 thousand | 5.14% | 7.42% |
| Q1 2026 | $1.6 million | 332 | $378 thousand | 5.28% | 5.54% |
| Q4 2025 | $1.6 million | 334 | $384 thousand | 7.06% | 3.98% |
| Q3 2025 | $1.8 million | 333 | $381 thousand | 6.50% | 2.51% |
| Q2 2025 | $1.7 million | 333 | $364 thousand | 7.85% | 0.64% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 20,000 potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital. It is designated a minority depository institution.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 2 sites for Vitelco Employees Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Vitelco Employees Federal Credit Union (main office)
3082 Kronprindsens Gade, Charlotte Amalie, VI 00802 - STX Office
5 Corners Plaza, Christiansted, St. Croix, VI 00820
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology