Credit union call report ยท Charlotte Amalie, VI
Saint Thomas Federal Credit Union Call Report
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Saint Thomas Federal Credit Union filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 228 filed line items, in the form's order. Dollar amounts are whole dollars as filed.
| Call report form | NCUA 5300 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| NCUA charter number | 7970 |
| Federal Reserve RSSD ID | 455187 |
The official copy: search charter number 7970 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.
Saint Thomas Federal Credit Union call report, Q2 2026
Statement of Financial Condition (31 items)
| Line item | Account | Q2 2026 |
|---|---|---|
| 1a. Coin and Currency | AS0004 | $1.4M |
| 1c. Total Cash on Hand | 730A | $1.4M |
| 2a. Cash on Deposit in Corporate Credit Unions | 730B1 | $1.4M |
| 2c. Cash on Deposit in Other Financial Institutions | 730B2 | $3.8M |
| 2. Cash on Deposit (total) | 730B | $5.3M |
| 3. Time Deposits in Banks and Credit Unions | AS0007 | $5.5M |
| 5. TOTAL CASH AND OTHER DEPOSITS | AS0009 | $12.1M |
| 8. Available-for-Sale Debt Securities | AS0067 | $34.8M |
| 11. TOTAL INVESTMENT SECURITIES | AS0013 | $34.8M |
| 12c. All Other Investments | AS0016 | $45K |
| 13. TOTAL OTHER INVESTMENTS | AS0017 | $45K |
| 15a. Number of Total Loans and Leases | 025A | 5,097 |
| 15b. Total Loans and Leases | 025B | $39.7M |
| 17. ACL on Loans and Leases | AS0048 | $959K |
| 19. Land and Building | 007 | $2.5M |
| 20. Other Fixed Assets | 008 | $395K |
| 21. NCUA Share Insurance Capitalization Deposit | 794 | $675K |
| 22d. Accrued Interest on Loans | 009A | $70K |
| 22e. Accrued Interest on Investments | 009B | $139K |
| 22f. All Other Assets | 009C | $512K |
| 22g. Total Other Assets | AS0036 | $722K |
| 23. TOTAL ASSETS | 010 | $90.0M |
| Accounts Payable and Other Liabilities | 825 | $146K |
| Borrowings (total) | 860C | $1K |
| Member Shares of All Types | 013 | $70.3M |
| Total Shares and Deposits | 018 | $70.3M |
| Undivided Earnings | 940 | $20.9M |
| Net Income (equity) | 602 | $268K |
| Total Net Worth | 997 | $21.1M |
| Net Worth Ratio | 998 | 23.49% |
| TOTAL LIABILITIES, SHARES, AND EQUITY | 014 | $90.0M |
Statement of Income and Expense (23 items)
| Line item | Account | Q2 2026 |
|---|---|---|
| 1. Interest on Loans and Leases | 110 | $1.8M |
| 3. Income from Investments | 120 | $793K |
| 5. TOTAL INTEREST INCOME | 115 | $2.6M |
| 6. Dividends on Shares | 380 | $214K |
| 9. TOTAL INTEREST EXPENSE | 350 | $214K |
| 10. NET INTEREST INCOME | IS0010 | $2.4M |
| 12a. Credit Loss Expense - Loans and Leases | IS0011 | $449K |
| 12e. Total Credit Loss Expense | IS0017 | $449K |
| 13. Fee Income | 131 | $181K |
| 14. Other Operating Income | IS0020 | $123K |
| 23. TOTAL NON-INTEREST INCOME | 117 | $304K |
| 24. Employee Compensation and Benefits | 210 | $911K |
| 25. Travel and Conference | 230 | $71K |
| 26. Office Occupancy | 250 | $106K |
| 27. Office Operations | 260 | $556K |
| 28. Educational and Promotional | 270 | $46K |
| 29. Loan Servicing | 280 | $9K |
| 30. Professional and Outside Services | 290 | $187K |
| 31. Member Insurance | 310 | $43 |
| 32. Operating Fees | 320 | $13K |
| 33. Miscellaneous Operating Expense | 360 | $56K |
| 34. TOTAL NON-INTEREST EXPENSE | 671 | $2.0M |
| 35. NET INCOME | 661A | $268K |
Statement pages - all other filed accounts (17 items)
delinquency (21%), credit cards (21%)
| Line item | Account | Q2 2026 |
|---|---|---|
| Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 1 month to less than 2 months delinquent | 020B | $658K |
| Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 2 to less than 6 months delinquent | 021B | $77K |
| Loans Granted Year-to-Date | 031A | $1K |
| Amount of Loans Granted Year-to-Date | 031B | $8.1M |
| Total Amount of Delinquent Loans & Leases (Two or more months) | 041B | $353K |
| Number of current members (not number of accounts) | 083 | 8,984 |
| Number of potential members | 084 | 9,500 |
| Interest Rate of All Other Unsecured Loans/Lines of Credit | 522 | 1,000.00% |
| Interest Rate of New Vehicle Loans | 523 | 800.00% |
| Interest Rate of Used Vehicle Loans | 524 | 800.00% |
| Total Amount of All Loans Charged Off Year-to-Date | 550 | $388K |
| Total Amount of All Year-to-Date Recoveries on Charged-Off Loans | 551 | $82K |
| Amount of Regular Shares | 657 | $66.6M |
| Amount of Share Drafts | 902 | $580K |
| Share Certificates - < 1 Year | 908A | $2.7M |
| Total Amount of Share Certificates | 908C | $3.2M |
| Number of Used Vehicle Loans | 968 | 91 |
NCUA data file FS220A (22 items)
loans and leases (25%), income and expense (25%), shares and deposits (19%)
| Line item | Account | Q2 2026 |
|---|---|---|
| Total Shares - < 1 Year | 013A | $69.8M |
| Total Shares - 1-3 Years | 013B1 | $410K |
| Total Shares - > 3 Years | 013B2 | $59K |
| Total Shares and Deposits - < 1 Year | 018A | $69.8M |
| Total Shares and Deposits - 1-3 Years | 018B1 | $410K |
| Total Shares and Deposits - > 3 Years | 018B2 | $59K |
| Number of Total Delinquent Loans & Leases (Two or more months) | 041A | 36 |
| Effective date of last audit | 063 | $122K |
| Amount of Used Vehicle Loans | 370 | $1.3M |
| Amount of New Vehicle Loans | 385 | $13.9M |
| Amount of All Other Unsecured Loans/Lines of Credit | 397 | $22.7M |
| Share Certificates | 451 | $116 |
| Number of Accounts for Share Drafts | 452 | 249 |
| Number of Accounts for Regular Shares | 454 | 12,922 |
| Number of Accounts for Total Shares and Deposits (Sum of items 15-16) | 460 | 13,287 |
| Number of credit union employees who are Full-Time (26 hours or more) | 564A | 21 |
| Number of credit union employees who are Part-Time (25 hours or less per week) | 564B | 1 |
| Dollar amount of loans with interest rates that exceed 15% (For FCUs Only) | 567 | $1.9M |
| Aggregate weighted average interest rate for the loans with interest rates that exceed 15% (For FCUs Only) | 568 | 2,067.00% |
| Total credit lines | 881 | $28.5M |
| Draws against lines of credit, less than 1 year | 883A | $1K |
| Draws against lines of credit, total amount | 883C | $1K |
NCUA data file FS220B (15 items)
maturity and repricing buckets (40%), credit cards (17%)
| Line item | Account | Q2 2026 |
|---|---|---|
| Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E) | 065A4 | $1.9M |
| Total Uninsured Shares and Deposits > $250K (F+J) | 068A | $1.9M |
| Total Insured Shares and Deposits > $250K (item 17 less item K) | 069A | $68.4M |
| Effective date of the most recent Supervisory Committee verification of Member's accounts | 603 | $122K |
| Amount of Regular Shares - < 1 Year | 657A | $66.6M |
| Total Borrowings - < 1 Year | 860A | $1K |
| Is your credit union a member of a Federal Home Loan Bank? | 896 | $1 |
| Amount of Share Drafts - < 1 Year | 902A | $580K |
| Share Certificates - 1-3 Years | 908B1 | $410K |
| Share Certificates - > 3 Years | 908B2 | $59K |
| Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff | 956 | $215K |
| Number of New Vehicle Loans | 958 | 638 |
| Total Shares | 966 | $13K |
| Number of All Other Unsecured Loans/Lines of Credit | 994 | 3,581 |
| Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff | 995 | 15 |
NCUA data file FS220C (4 items)
charge-offs and recoveries (27%), participation loans (18%)
| Line item | Account | Q2 2026 |
|---|---|---|
| Indicate in the box at the right the number of the description below that best characterizes the last audit performed of your credit union's records | 064 | $1 |
| Number of credit union branches (include the main office if member services are conducted at that location) | 566 | 1 |
| Supplemental Share Information - Dollar Amount of Share Certificates = or > $100,000 | 638 | $1.3M |
| Outstanding balance of brokered certificates of deposit and share certificates | 788 | $5.5M |
NCUA data file FS220D (19 items)
member services and products offered (69%), CUSO relationships (27%)
| Line item | Account | Q2 2026 |
|---|---|---|
| Does the credit union plan to add any new branches or expand existing facilities in the next 12 months? | 566B | $1 |
| Financial Counseling | 879B1 | $1 |
| Financial Education | 879B2 | $1 |
| Financial Literacy Workshops | 879B3 | $1 |
| Bilingual Services | 879C1 | $1 |
| Student Scholarships | 879C4 | $1 |
| Payday Alternative Loans (PAL loans) (FCU Only) | 879D9 | $1 |
| Deposits and Shares Meeting 703.10(a) | 879M | $1 |
| Brokered Certificates of Deposits | 879N | $1 |
| Loan Application | 887B | $1 |
| Loan Payments | 887F | $1 |
| Bill Payment | 887J | $1 |
| e-Statements | 887R | $1 |
| External Transfers/Payment ? ACH | 887S | $1 |
| Remote Deposit Capture | 887U | $1 |
| Informational Website | PI0007 | $1 |
| Mobile Application | PI0008 | $1 |
| Online Banking | PI0009 | $1 |
| Person-to-Person | PI0011 | $1 |
NCUA data file FS220G (4 items)
loans and leases (32%), participation loans (18%)
| Line item | Account | Q2 2026 |
|---|---|---|
| Total Value of Investments in CUSOs | 851 | $315K |
| Total Aggregate Cash Outlay in CUSOs | 853 | $315K |
| Assets Pledged to Secure Borrowings | 878 | $45K |
| Total Credit Lines at Corporate Credit Unions | 884 | $1.5M |
NCUA data file FS220H (12 items)
student loans (43%), delinquency (27%)
| Line item | Account | Q2 2026 |
|---|---|---|
| Number of Payday Alternative Loans (PAL loans) Granted Year-to-Date (FCU only) | 031C | 417 |
| Amount of Payday Alternative Loans (PAL loans) Granted Year-to-Date (FCU only) | 031D | $816K |
| Payday Alternative Loans (PAL loans) (FCU only) 30-59 days delinquent | 089B | $25K |
| Payday Alternative Loans (PAL loans) (FCU only) 60-179 days delinquent | 127B | $765 |
| Total Number of Reportable Delinquent Loans for Payday Alternative Loans (PAL loans) (FCU only) | 130A | $9 |
| Total Reportable Payday Alternative Loans (PAL loans) (FCU only) Delinquent Loans | 130B | $9K |
| YTD Charge Offs of Payday Alternative Loans (PAL loans) (FCU only) | 136 | $18K |
| YTD Recoveries of Payday Alternative Loans (PAL loans) (FCU only) | 137 | $9K |
| Amount of Payday Alternative Loans (PAL loans) | 397A | $814K |
| Interest Rate of Payday Alternative Loans (PAL loans) | 522A | 2,500.00% |
| Total Unfunded Commitments for all loan types | 816A | $41K |
| Number of Payday Alternative Loans (PAL loans) | 994A | 701 |
NCUA data file FS220I (12 items)
vehicle lending (59%), delinquency (44%)
| Line item | Account | Q2 2026 |
|---|---|---|
| Amount of New Vehicle Loans Delinquent 30 to 59 days | 020C1 | $317K |
| Amount of Used Vehicle Loans Delinquent 30 to 59 days | 020C2 | $17K |
| Amount of Used Vehicle Loans Delinquent 60 to 179 days | 021C2 | $20K |
| Number of Reportable Delinquent New Vehicle Loans | 035E1 | 6 |
| Number of Reportable Delinquent Used Vehicle Loans | 035E2 | 1 |
| Amount of Reportable Delinquent New Vehicle Loans | 041C1 | $133K |
| Amount of Reportable Delinquent Used Vehicle Loans | 041C2 | $20K |
| Amount of New Vehicle Loans YTD Charge Offs | 550C1 | $28K |
| Amount of New Vehicle Loans YTD Recoveries | 551C1 | $19K |
| Negative Shares as Included in All Other Unsecured Loans/Lines of Credit | 644 | $209 |
| Amount of Grants Awarded Year-to-Date | 926 | $50K |
| Amount of Grants Received Year-to-Date | 927 | $50K |
NCUA data file FS220L (4 items)
commercial and business lending (90%), participation loans (36%), real estate lending (18%)
| Line item | Account | Q2 2026 |
|---|---|---|
| Total Number of Loans & Leases on Loan Schedule | 025A1 | $5K |
| Total Amount of Loans & Leases on Loan Schedule | 025B1 | $39.7M |
| Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit | 595B | 400.00% |
| Amount of All Other Secured Non-Real Estate Loans/Lines of Credit | 698C | $987K |
NCUA data file FS220M (3 items)
commercial and business lending (89%), real estate lending (26%), participation loans (23%)
| Line item | Account | Q2 2026 |
|---|---|---|
| Total Other Unfunded Commitments (Non-Commercial) | 816B5 | $41K |
| Total Unfunded Commitments for Non-Commercial Loans | 816T | $41K |
| Number of All Other Secured Non-Real Estate Loans/Lines of Credit | 963C | 86 |
NCUA data file FS220N (8 items)
investment portfolio detail (53%), maturity and repricing buckets (31%), CECL allowances (30%)
| Line item | Account | Q2 2026 |
|---|---|---|
| Available-for-sale Debt Securities <=1 Year | AS0062 | $536K |
| Available-for-sale Debt Securities >1 and <=3 Years | AS0063 | $5.2M |
| Available-for-sale Debt Securities >3 and <=5 Years | AS0064 | $25.0M |
| Available-for-sale Debt Securities >5 and <= 10 Years | AS0065 | $4.1M |
| Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities | EQ0009 | -$1.6M |
| Total Liabilities | LI0069 | $70.4M |
| (CECL) One-time Adjustment to Undivided Earnings for those credit unions that have adopted ASC topic 326 - Financial Instruments - Credit Losses | NW0002 | $192K |
| Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility | NW0010 | $90.0M |
NCUA data file FS220P (10 items)
commercial and business lending (52%), delinquency (49%), real estate lending (23%)
| Line item | Account | Q2 2026 |
|---|---|---|
| Loan Loss Information - YTD Charge Offs - All Other Unsecured Loans/Lines of Credit | CH0007 | $343K |
| Loan Loss Information - YTD Recoveries - All Other Unsecured Loans/Lines of Credit | CH0008 | $54K |
| Payday Alternative Loans | DL0009 | $9K |
| All Other Unsecured Loans/Lines of Credit | DL0022 | $299K |
| All Other Unsecured Loans/Lines of Credit | DL0023 | $135K |
| All Other Unsecured Loans/Lines of Credit | DL0024 | $57K |
| All Other Unsecured Loans/Lines of Credit | DL0027 | $191K |
| All Other Unsecured Loans/Lines of Credit - Total Number of Reportable Delinquent Loans | DL0028 | $20 |
| New Vehicle Loans | DL0030 | $133K |
| Delinquent Loans by Collateral Type - 60-89 days - Total Delinquent Loans and Leases | DL0141 | $276K |
NCUA data file FS220Q (27 items)
investment portfolio detail (69%)
| Line item | Account | Q2 2026 |
|---|---|---|
| Borrowing Arrangements - Line of Credit Limit - Federal Home Loan Bank | LQ0040 | $27.0M |
| Borrowing Arrangements - Assets Pledged to Secure All Outstanding Borrowings - Federal Home Loan Bank | LQ0043 | $45K |
| Total Borrowings | LQ0860 | $1K |
| Available-for-sale Amortized Cost - Federal Agency Securities -Guaranteed - Agency/GSE Debt Instruments - Guaranteed | NV0015 | $36.0M |
| Available-for-sale Fair Value - Federal Agency Securities -Guaranteed - Agency/GSE Debt Instruments - Guaranteed | NV0016 | $34.8M |
| Available-for-sale Amortized Cost - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed | NV0023 | $36.0M |
| Available-for-sale Fair Value - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed | NV0024 | $34.8M |
| Total Amortized Cost Available-for-Sale Debt Securities | NV0083 | $36.0M |
| Total Fair Value Available-for-Sale Debt Securities | NV0084 | $34.8M |
| Investment Maturity Distribution - Time Deposits - <=1 Year | NV0111 | $749K |
| Investment Maturity Distribution - Time Deposits - >1-3 Years | NV0112 | $3.2M |
| Investment Maturity Distribution - Time Deposits - >3-5 Years | NV0113 | $1.5M |
| Investment Maturity Distribution - Time Deposits - Total | NV0116 | $5.5M |
| Investment Maturity Distribution - Available-for-Sale Debt Securities - Total | NV0134 | $34.8M |
| Investment Maturity Distribution - Investments in Natural Person Credit Unions - <=1 Year | NV0141 | $45K |
| Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total | NV0146 | $45K |
| Investment Maturity Distribution - Total Investment Securities - <=1 Year | NV0153 | $1.3M |
| Investment Maturity Distribution - Total Investment Securities - >1-3 Years | NV0154 | $8.4M |
| Investment Maturity Distribution - Total Investment Securities - >3 - 5 Years | NV0155 | $26.5M |
| Investment Maturity Distribution - Total Investment Securities - >5 - 10 Years | NV0156 | $4.1M |
| Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) | NV0158 | $40.3M |
| RBC Total Equity | RB0001 | $21.1M |
| RBC Allowance for Credit Losses | RB0002 | $959K |
| RBC Total Additions | RB0005 | $959K |
| RBC Total Deductions | RB0009 | $675K |
| RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction | RB0010 | $21.4M |
| RBC Risk-Based Capital Numerator | RB0012 | $21.4M |
NCUA data file FS220R (17 items)
risk-based capital and leverage ratio (68%), real estate lending (28%)
| Line item | Account | Q2 2026 |
|---|---|---|
| RBC Schedule Total Investments | RB0039 | $34.9M |
| RBC Schedule Total Consumer Loans | RB0060 | $39.7M |
| RBC Total for Risk Weighting Allowance for Credit Losses (Loans) | RB0077 | $959K |
| RBC Allowance for Credit Losses (Loans) 0% Weight | RB0078 | $959K |
| RBC Schedule Total Loans | RB0079 | $38.8M |
| RBC Total for Risk Weighting Total Loans | RB0081 | -$959K |
| RBC Total Loans 0% Weight | RB0082 | -$959K |
| RBC Schedule Total Other Assets | RB0088 | $4.3M |
| RBC Total for Risk Weighting Other Assets | RB0090 | $675K |
| RBC Other Assets 0% Weight | RB0091 | $675K |
| RBC Total from Schedule On-Balance Sheet Assets | RB0099 | $90.0M |
| RBC Total Adjustments to Schedule On-Balance Sheet Assets | RB0100 | -$283K |
| RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight | RB0101 | -$283K |
| RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts | RB0170 | $90.0M |
| RBC Allowance for Credit Losses (Loans) | RB0177 | $959K |
| Total Shares | SH0013 | $70.3M |
| Total Shares and Deposits | SH0018 | $70.3M |
Saint Thomas Federal Credit Union call reports on file
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Saint Thomas Federal Credit Union call report?
The Saint Thomas Federal Credit Union call report for the quarter ended June 30, 2026 is on this page, line by line in the order of the NCUA 5300. NCUA publishes every federally insured credit union's call report in its quarterly call report data and in its Research a Credit Union tool. Call reports are public: anyone can read them without an account.
What call report does Saint Thomas Federal Credit Union file?
Saint Thomas Federal Credit Union files the NCUA Form 5300, the call report every federally insured credit union files with the National Credit Union Administration. Its figures are in whole dollars, not thousands.
What is the Saint Thomas Federal Credit Union call report number?
A call report has no number of its own. It is filed and looked up by the credit union's NCUA charter number, which for Saint Thomas Federal Credit Union is 7970.
How often does Saint Thomas Federal Credit Union file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31.
Saint Thomas Federal Credit Union financials and ratios →
New to the 5300? What the NCUA 5300 call report is.