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
- ROA 92/100
- ASSETS 18.2%
- MEM 0.33%
- RANK 0.47%
- PHOTO $15.5M
- BOOK 1,231
- CHARTER #729/4,374
- NCUSIF MINUTEMAN
- CAMELS 9105
Call Report peers
SOUTHERNMOST in the assets neighbourhood
SOUTHERNMOST's $15.5M assets sit next to MINUTEMAN ($15.6M) 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.
SOUTHERNMOST 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
92 Top 20% higher than 80% 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
SOUTHERNMOST - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #9105, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for FL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
SOUTHERNMOST Call Report trajectory
SOUTHERNMOST: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +7.2% from $15.5M (2025Q4) to $16.7M (2026Q1).
- Net-worth ratio shifted -1.26 pp (19.43% → 18.17%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 92.
- 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 |
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).
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
SOUTHERNMOST's nationwide photo peers by assets and by health score, excluding Florida charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($15.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (92/100 here).
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
- 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 SOUTHERNMOST financially healthy?
A 18.17% net worth ratio and a 0.33% delinquency rate feed into SOUTHERNMOST's financial health score of 92/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #729 of 4,374; by total assets it ranks #3,308 of 4,374 nationally (same basis as /rankings/largest); and #100 of 109 within Florida. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does SOUTHERNMOST compare to other credit unions?
92/100 is SOUTHERNMOST's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 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?
Federal credit unions like SOUTHERNMOST 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. SOUTHERNMOST's net worth ratio of 18.17% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does SOUTHERNMOST offer compared to banks?
Credit unions like SOUTHERNMOST 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 SOUTHERNMOST 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.