Federal credit union · Key West, Florida · NCUA charter #9105
SOUTHERNMOST
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $15.5M
- Total assets
- 1,231
- Members
- 18.2%
- Net-worth ratio
SOUTHERNMOST scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $15.5M; members 1,231; net-worth ratio 18.17%; health rank #729 of 4,374; healthier than 80th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#729 of 4,374 health · 2025Q4SOUTHERNMOST · health 92/100 · $15.5M · 2025Q4
Call Report peers
SOUTHERNMOST in the assets neighbourhood
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SOUTHERNMOST vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); SOUTHERNMOST sits in 90-94 with 747 others.
92 Top 20% higher than 80% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
SOUTHERNMOST: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 88.25% here, 59.80% peer average (+28.45 pp).
- Widest shortfall vs peers is Return on Assets: -0.23 pp (0.47% vs 0.70%).
Florida standing for SOUTHERNMOST
- In Florida, health place is #33 of 109 on the same NCUA-ratio sort used nationally.
- Assets rank #100 of 109 inside Florida ($15.5M reported).
- Florida membership ordinal: #101 of 109.
- One place up in Florida, HARVESTERS (#32) scores 93/100, 1 point higher; one place down, Community Credit Union of Florida (#34) ties at 92/100.
SOUTHERNMOST Call Report trajectory
SOUTHERNMOST: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +7.2% from $15.5M (2025Q4) to $16.7M (2026Q1).
- Net-worth ratio shifted -1.26 pp (19.43% → 18.17%).
This credit union's 18.17% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 92/100 score is built
SOUTHERNMOST gives up 8 points in total. Member Growth costs the most, 8 of its 15; Net Worth Ratio and Delinquency Rate and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 14.6 pts
- Member Growth 7.0 pts
- Loan-to-Share Ratio 15.4 pts
SOUTHERNMOST vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 18.17% | +3.31 pp |
| Delinquency Rate | 0.33% | -0.82 pp |
| Return on Assets | 0.47% | -0.23 pp |
| Member Growth | -1.12% | - |
| Loan-to-Share Ratio | 88.25% | +28.45 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
SOUTHERNMOST filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $16.7M | - |
| 2025Q4 | $15.5M | 1,231 |
| 2024Q4 | $16.0M | 1,245 |
| 2023Q4 | $17.6M | 1,178 |
Credit Union Details
- Charter Number
- 9105
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $10M–$50M
- State
- Florida
- City
- Key West
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for SOUTHERNMOST.
| Office | City |
|---|---|
| Southernmost Federal Credit Union (Main Office) | Key West, FL |
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
Using this data
- SOUTHERNMOST ranks #729 of 4,374 nationally on financial health and #33 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Jefferson County Teachers is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Jefferson County Teachers
Frequently Asked Questions
Is SOUTHERNMOST financially healthy?
SOUTHERNMOST has a financial health score of 92/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #729 of 4,374 nationally on health and #33 of 109 in Florida. Its net worth ratio is 18.17% and its delinquency rate 0.33%.
How does SOUTHERNMOST compare to other credit unions?
SOUTHERNMOST scores 92/100, higher than 80% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (88.25% vs 59.80%). Its widest shortfall is return on assets (0.47% vs 0.70%).
How can I join SOUTHERNMOST?
SOUTHERNMOST serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact SOUTHERNMOST directly for the current list of qualifying groups.
Is my money safe at SOUTHERNMOST?
SOUTHERNMOST 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. SOUTHERNMOST's net worth ratio of 18.17% 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.