Sep, 30, 2025 — MID-ISLAND FEDERAL CREDIT UNION is a federal credit union headquartered in CHRISTIANSTED, VI with 1 branch location and about $18.25 million in total assets. Opened 45 years ago in 1981, MID-ISLAND FEDERAL CREDIT UNION has about 2,375 members and employs 6 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | MID-ISLAND FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 4366 Peters Rest CHRISTIANSTED, VI 00820 |
| Phone: | (340) 778-6297 |
| Fax: | (340) 778-3616 |
| Website: | https://www.midislandfcu.org |
| Branches: | 1 branch locations |
| Members: | 2,375 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 23811 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1981 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $18,247,833 |
| CEO/Manager: | JULIA CRISPIN |
| Chairperson: | David Rossington |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 1,446,166 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 0 |
| Unsecured Loans | 1,897,003 |
| Other Loans | 2,893,662 |
| TOTAL LOANS | 4,804,701 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -65,891 |
| Land And Building | 0 |
| Other Fixed Assets | 222,820 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 154,059 |
| All Other Assets | 0 |
| TOTAL ASSETS | 18,247,833 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 155,570 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 0 |
| Regular shares | 16,279,085 |
| All Other Shares & Deposits | 0 |
| TOTAL SHARES & DEPOSITS | 16,279,085 |
| TOTAL LIABILITIES | 16,434,655 |
| Regular Reserve | 0 |
| Other Reserves | 206,663 |
| Undivided Earnings | 1,606,515 |
| TOTAL EQUITY | 1,813,178 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 18,247,833 |
| INCOME & EXPENSE | |
| Loan Income | 298,605 |
| Investment Income | 378,164 |
| Other Income | 34,093 |
| Total Employee Compensation & Benefits | 210,668 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 221,154 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 0 |
| Cost of Funds | 18,178 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 260,862 |
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