Federal credit union · Key West, Florida · NCUA charter #4135
KEYS
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $249.8M
- Total assets
- 18,296
- Members
- 10.9%
- Net-worth ratio
KEYS scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $249.8M; members 18,296; net-worth ratio 10.89%; health rank #2,139 of 4,374; healthier than 50th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,139 of 4,374 health · 2025Q4KEYS · health 84/100 · $249.8M · 2025Q4
Call Report peers
KEYS in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
KEYS vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); KEYS sits in 80-84 with 767 others.
84 Top 50% higher than 50% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
KEYS vs $100M–$500M peers
- Loan-to-Share Ratio leads the peer set - 81.97% here, 72.20% peer average (+9.77 pp).
- Largest lag: Net Worth Ratio at 10.89% vs peer 12.11% (-1.22 pp).
Where KEYS sits in Florida
- Health composite ranks #65 of 109 among scored Florida credit unions.
- Assets rank #50 of 109 inside Florida ($249.8M reported).
- Florida membership ordinal: #48 of 109.
- One place up in Florida, MIAMI (#64) ties at 84/100; one place down, BRIGHTSTAR (#66) ties at 84/100.
KEYS Call Report trajectory
KEYS: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.3% from $249.8M (2025Q4) to $257.9M (2026Q1).
- Net-worth ratio shifted -0.36 pp (11.25% → 10.89%).
At 10.89%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 84/100 score is built
KEYS gives up 16 points in total. Delinquency Rate costs the most, 9.5 of its 25; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 15.5 pts
- Return on Assets 15.0 pts
- Member Growth 8.4 pts
- Loan-to-Share Ratio 15.1 pts
KEYS health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.89% | -1.22 pp |
| Delinquency Rate | 1.61% | +0.71 pp |
| Return on Assets | 1.05% | +0.42 pp |
| Member Growth | -0.35% | - |
| Loan-to-Share Ratio | 81.97% | +9.77 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
KEYS quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $257.9M | - |
| 2025Q4 | $249.8M | 18,296 |
| 2024Q4 | $249.0M | 18,360 |
| 2023Q4 | $253.6M | 17,509 |
Credit Union Details
- Charter Number
- 4135
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Florida
- City
- Key West
- Data Quarter
- 2025Q4
Branch Locations (6)
The NCUA branch filing lists 6 physical offices for KEYS, spread across 4 cities.
| Office | City |
|---|---|
| Key Plaza (Main Office) | Key West, FL |
| Big Pine | Big Pine Key, FL |
| Southard Street | Key West, FL |
| Stock Island | Key West, FL |
| Marathon in town | Marathon, FL |
| Tavernier | Tavernier, FL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Florida
A look at other Florida credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Using this data
- KEYS ranks #2,139 of 4,374 nationally on financial health and #65 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Gold Coast is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Gold Coast
Frequently Asked Questions
Is KEYS financially healthy?
On its 2025Q4 NCUA 5300 filing, KEYS scores 84/100 (Excellent), with a 10.89% net worth ratio and 1.61% of loans delinquent. It ranks #2,139 of 4,374 nationally on health and #65 of 109 in Florida.
How does KEYS compare to other credit unions?
KEYS scores 84/100, higher than 50% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (81.97% vs 72.20%). Its widest shortfall is net worth ratio (10.89% vs 12.11%).
How can I join KEYS?
KEYS operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact KEYS directly for the exact boundaries and application steps.
Is my money safe at KEYS?
KEYS is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. KEYS's net worth ratio of 10.89% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.