Charter 4135 · Key West, FL
Keys Federal Credit Union
Keys Federal Credit Union is a federally chartered credit union in Key West, Florida, with $253 million in assets and 17,936 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 10.98%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $253 million
- -1.3% in a year
- Members
- 17,936
- -2.3% in a year
- Net worth ratio
- 10.98%
- Peer median 11.65%
- Loans 60+ days late
- 0.88%
- Peer median 0.70%
- Loans outstanding
- $176 million
- -3.2% in a year
- Shares and deposits
- $219 million
- -2.2% in a year
- Branches
- 6
- 55 employees
- Opened
- 1940
- Federal charter
How Keys Federal Credit Union compares
NCUA groups credit unions by size; Keys Federal Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 10.98% is lower than that group's median of 11.65%, and its share of loans 60 or more days past due, 0.88%, is higher than the group median of 0.70%. Loans fell 3.2% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 50 of 107 credit unions headquartered in Florida. See all Florida credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $253 million | 17,936 | $176 million | 10.98% | 0.88% |
| Q1 2026 | $258 million | 18,108 | $177 million | 10.89% | 0.99% |
| Q4 2025 | $250 million | 18,296 | $177 million | 11.25% | 1.61% |
| Q3 2025 | $250 million | 18,316 | $178 million | 11.05% | 1.77% |
| Q2 2025 | $257 million | 18,362 | $182 million | 10.62% | 0.89% |
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 75,000 potential members.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 6 sites for Keys 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.
- Southard Street
514 Southard St, Key West, FL 33040 - Big Pine
29977 Overseas Hwy, Big Pine Key, FL 33043 - Key Plaza (main office)
3022 N Roosevelt Blvd, Key West, FL 33040 - Stock Island
5402 Overseas Hwy, Key West, FL 33040 - Marathon in town
5050 Overseas Hwy, Marathon, FL 33050 - Tavernier
91200 Overseas Hwy Ste 15, Tavernier, FL 33070
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