If all passengers are U.S. citizens and boat has current Roam registration you should be fine regardless of boat registration. However if even ONE person is not U.S. passport holder, ALL PASSENGERS will have to stop in Cruz Bay and appear at U.S. CBP. We did it twice this year under those exact circumstances. Boat was registered in BVI.
I’m not sure if owner or charter status matters, except for BVI park fees coming into BVI which are, of course, charged when clearing into BVI. And return also subject to the new rules impacting charter operators not BVI based, which wouldn’t apply for Moorings.