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
Call Report peers
Monroe County Teachers in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Monroe County Teachers sits in 80-84 with 767 others.
81 39th percentile higher than 39% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in Florida, FARMERS (#81) ties at 81/100; one place down, Jax Fire (#83) scores 80/100, 1 point lower.
Quarter path for Monroe County Teachers
Monroe County Teachers: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -4.8% from $26.4M (2025Q4) to $25.1M (2026Q1).
- Net-worth ratio shifted -0.05 pp (9.50% → 9.45%).
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
Monroe County Teachers gives up 19 points in total. Member Growth costs the most, 8.1 of its 15; Loan-to-Share Ratio scores full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is Monroe County Teachers financially healthy?
On its 2025Q4 NCUA 5300 filing, Monroe County Teachers scores 81/100 (Excellent), with a 9.45% net worth ratio and 1.27% of loans delinquent. It ranks #2,647 of 4,374 nationally on health and #82 of 109 in Florida.
How does Monroe County Teachers compare to other credit unions?
Monroe County Teachers scores 81/100, higher than 39% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (76.24% vs 59.80%). Its widest shortfall is net worth ratio (9.45% vs 14.86%).
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?
Monroe County Teachers 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. Monroe County Teachers's net worth ratio of 9.45% 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.