Charter 9105 · Key West, FL
Southernmost Federal Credit Union
Southernmost Federal Credit Union is a federally chartered credit union in Key West, Florida, with $16.1 million in assets and 1,230 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 18.77%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $16.1 million
- +0.1% in a year
- Members
- 1,230
- -0.8% in a year
- Net worth ratio
- 18.77%
- Peer median 13.88%
- Loans 60+ days late
- 0.00%
- Peer median 0.68%
- Loans outstanding
- $10.3 million
- -7.7% in a year
- Shares and deposits
- $12.8 million
- -0.2% in a year
- Branches
- 1
- 5 employees
- Opened
- 1954
- Federal charter
How Southernmost Federal Credit Union compares
NCUA groups credit unions by size; Southernmost Federal Credit Union is in the group with $10 million to $50 million (1,135 credit unions). Its net worth ratio of 18.77% is higher than that group's median of 13.88%, and its share of loans 60 or more days past due, 0.00%, is lower than the group median of 0.68%. Loans fell 7.7% over the year to Q2 2026, against a group median of a 2.4% fall.
By assets it ranks 100 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 | $16.1 million | 1,230 | $10.3 million | 18.77% | 0.00% |
| Q1 2026 | $16.7 million | 1,225 | $10.8 million | 18.17% | 0.00% |
| Q4 2025 | $15.5 million | 1,231 | $10.9 million | 19.43% | 0.33% |
| Q3 2025 | $15.8 million | 1,236 | $11.2 million | 19.04% | 0.32% |
| Q2 2025 | $16.0 million | 1,240 | $11.1 million | 18.63% | 0.42% |
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 4,000 potential members.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 1 site for Southernmost 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.
- Southernmost Federal Credit Union (main office)
1004 Kennedy Dr, Key West, FL 33040
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