TellerScore

Keys Federal Credit Union (NCUA charter #4135) is based in Key West, Florida. Its Q2 2026 call report shows $253.2M in total assets and $218.6M in member shares and deposits and 2 offices.

Keys Federal Credit Union has a TellerScore of 62 out of 100 (moderate) based on Q2 2026 data — higher than only 26% of its 1,341 credit unions with $100 million – $1 billion. Among 107 credit unions headquartered in Florida, it ranks 83rd. Problem-loan coverage contributes the most (81/100, 9.7%); earnings contributes the least (31/100, 0.28%).

TellerScore · Q2 2026

Scorecard

Capital cushion60/100
Net worth ratio: 10.98%
Loan quality71/100
Loans 60+ days delinquent ÷ total loans: 0.88%
Earnings31/100
Return on assets (annualized): 0.28%
Funding & liquidity80/100
Loans ÷ shares: 80.6% · 7.4% uninsured
Problem-loan coverage81/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 9.72%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (62 → 62).

TellerScore
556370Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202470
Q4 202458
Q1 202563
Q2 202562
Q3 202555
Q4 202557
Q1 202659
Q2 202662
Net worth ratio
7.00%9.13%11.25%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.16%
Q3 202410.82%
Q4 202411.03%
Q1 202510.51%
Q2 202510.62%
Q3 202511.05%
Q4 202511.25%
Q1 202610.89%
Q2 202610.98%
Delinquent loans (60+ days)
0.72%1.37%2.02%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.73%
Q3 20240.83%
Q4 20242.02%
Q1 20250.72%
Q2 20250.89%
Q3 20251.77%
Q4 20251.61%
Q1 20260.99%
Q2 20260.88%
Return on assets
0.02%0.59%1.16%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.97%
Q3 20241.16%
Q4 20241.05%
Q1 20250.33%
Q2 20250.33%
Q3 20250.44%
Q4 20250.51%
Q1 20260.02%
Q2 20260.28%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202662$253.2M10.98%0.88%0.28%80.6%
Q1 202659$257.9M10.89%0.99%0.02%79.2%
Q4 202557$249.8M11.25%1.61%0.51%82.0%
Q3 202555$250.0M11.05%1.77%0.44%82.3%
Q2 202562$256.5M10.62%0.89%0.33%81.4%
Q1 202563$263.5M10.51%0.72%0.33%78.0%
Q4 202458$249.0M11.03%2.02%1.05%80.6%
Q3 202470$249.9M10.82%0.83%1.16%79.9%
Q2 202468$257.0M10.16%0.73%0.97%78.1%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.98%
43rd
Problem loans0.88%
37th
Net charge-offs1.66%
3rd
Return on assets0.28%
16th
Loans to deposits80.6%
39th
Uninsured deposits7.4%
35th
Loan-loss reserves0.00%
50th
Texas ratio9.7%
14th

Similar-size credit unions in Florida

InstitutionScoreAssetsCapitalProblem loansCompare
Community South Credit UnionCredit union Chipley, FL71 out of 100, Strong$244.6M13.1%0.96%vs
Gold Coast Federal Credit UnionCredit union Palm Springs, FL75 out of 100, Strong$269.8M11.9%0.43%vs
University Credit UnionCredit union Miami, FL71 out of 100, Strong$228.7M10.8%0.24%vs
Santa Rosa County Federal Credit UnionCredit union Milton, FL78 out of 100, Strong$223.0M13.6%1.18%vs
Alive Credit UnionCredit union Jacksonville, FL78 out of 100, Strong$295.5M11.7%0.47%vs
Loyalty Credit UnionCredit union Pensacola, FL75 out of 100, Strong$300.3M11.6%0.66%vs

Deposit insurance

Is my money safe at Keys Federal Credit Union?

Yes. Keys Federal Credit Union is a federally insured credit union (NCUA charter #4135). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 7.4% of shares and deposits ($16.2M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 10.98%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Keys Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Keys Federal Credit Union
Type
Federal credit union
NCUA charter #
4135
RSSD ID
406273
Primary regulator
NCUA
Established
1940
Headquarters
3022 N Roosevelt Blvd, Key West, FL 33040
Employees
55

Quick answers

Keys Federal Credit Union: common questions

Is Keys Federal Credit Union NCUA insured?

Yes. Keys Federal Credit Union is a federally insured credit union (NCUA charter #4135). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Keys Federal Credit Union's TellerScore?

62 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Keys Federal Credit Union have?

2 offices as of the latest NCUA data.