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
- ROA 84/100
- ASSETS 10.9%
- MEM 1.61%
- RANK 1.05%
- PHOTO $249.8M
- BOOK 18,296
- CHARTER #2,139/4,374
- NCUSIF Moog Employees
- CAMELS 4135
Call Report peers
KEYS in the assets neighbourhood
KEYS's $249.8M assets sit next to Moog Employees ($249.9M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
84 Top 50% higher than 50% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
KEYS - Share Insurance Coverage
Charter #4135's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for FL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
KEYS Call Report trajectory
KEYS: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.3% from $249.8M (2025Q4) to $257.9M (2026Q1).
- Net-worth ratio shifted -0.36 pp (11.25% → 10.89%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 84.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
KEYS's nationwide photo peers by assets and by health score, excluding Florida charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($249.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (84/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Florida credit unions compare overall before assuming this one is typical. Florida state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is KEYS financially healthy?
Yes/no aside, the number is 84/100 (Excellent) - KEYS's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,139 of 4,374; by total assets it ranks #1,142 of 4,374 nationally (same basis as /rankings/largest); and #50 of 109 within Florida. Above 80 reads excellent, below 50 warrants closer monitoring; a 10.89% net worth ratio and 1.61% delinquency rate are the key drivers.
How does KEYS compare to other credit unions?
Five weighted metrics from NCUA filings produce KEYS's 84/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like KEYS are 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."
What rates does KEYS offer compared to banks?
Credit unions like KEYS are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact KEYS directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.