Federal credit union · Key West, Florida · NCUA charter #7039
Monroe County Teachers
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $26.4M
- Total assets
- 2,082
- Members
- 9.4%
- Net-worth ratio
Monroe County Teachers scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $26.4M; members 2,082; net-worth ratio 9.45%; health rank #2,647 of 4,374; healthier than 39th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,647 of 4,374 health · 2025Q4Monroe County Teachers · health 81/100 · $26.4M · 2025Q4
- ASSETS 81/100
- MEM 9.4%
- RANK 1.27%
- PHOTO 0.33%
- BOOK $26.4M
- CHARTER 2,082
- NCUSIF #2,647/4,374
- CAMELS Michigan Coastal
- HEALTH 7039
Call Report peers
Monroe County Teachers in the assets neighbourhood
Monroe County Teachers's $26.4M assets sit next to Michigan Coastal ($26.4M) 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.
Monroe County Teachers 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
81 39th percentile higher than 39% 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
Monroe County Teachers - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #7039. See our deposit-insurance coverage note.
Monroe County Teachers: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 76.24% here, 59.80% peer average (+16.44 pp).
- Net Worth Ratio trails the peer set - 9.45% here, 14.86% peer average (-5.41 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Monroe County Teachers in Florida
- In Florida, health place is #82 of 109 on the same NCUA-ratio sort used nationally.
- Assets rank #93 of 109 inside Florida ($26.4M reported).
- Florida membership ordinal: #94 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.
Quarter path for Monroe County Teachers
Monroe County Teachers: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -4.8% from $26.4M (2025Q4) to $25.1M (2026Q1).
- Net-worth ratio shifted -0.05 pp (9.50% → 9.45%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 9.45% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 81/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 81.
- Net Worth Ratio 28.6 pts
- Delinquency Rate 18.0 pts
- Return on Assets 12.4 pts
- Member Growth 6.9 pts
- Loan-to-Share Ratio 15.1 pts
Monroe County Teachers vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.45% | -5.41 pp |
| Delinquency Rate | 1.27% | +0.13 pp |
| Return on Assets | 0.33% | -0.38 pp |
| Member Growth | -1.19% | - |
| Loan-to-Share Ratio | 76.24% | +16.44 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Monroe County Teachers quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $25.1M | - |
| 2025Q4 | $26.4M | 2,082 |
| 2024Q4 | $26.0M | 2,107 |
| 2023Q4 | $25.2M | 1,970 |
Credit Union Details
- Charter Number
- 7039
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Florida
- City
- Key West
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Monroe County Teachers, spread across 2 cities in 2 states.
| Office | City |
|---|---|
| Monroe County Teachers FCU (Main Office) | Key West, FL |
| Bradford Scott Sharetec | Fort Wayne, IN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Florida
Other federally-insured credit unions in Florida, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for Monroe County Teachers, both outside Florida so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($26.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (81/100 here).
Using this data
- Monroe County Teachers ranks #2,647 of 4,374 nationally on financial health and #82 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Suwannee River is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Suwannee River
- 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 Monroe County Teachers financially healthy?
Yes/no aside, the number is 81/100 (Excellent) - Monroe County Teachers'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 #2,647 of 4,374; by total assets it ranks #2,954 of 4,374 nationally (same basis as /rankings/largest); and #93 of 109 within Florida. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.45% net worth ratio and 1.27% delinquency rate are the key drivers.
How does Monroe County Teachers compare to other credit unions?
PlainCU's health composite puts Monroe County Teachers at 81/100, compared to a peer group average for $10M–$50M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 Monroe County Teachers?
Monroe County Teachers 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 Monroe County Teachers directly for the exact boundaries and application steps.
Is my money safe at Monroe County Teachers?
Federal credit unions like Monroe County Teachers 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. Monroe County Teachers's net worth ratio of 9.45% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Monroe County Teachers offer compared to banks?
Credit unions like Monroe County Teachers 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 Monroe County Teachers 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.