TellerScore

Monroe County Teachers Federal Credit Union (NCUA charter #7039) is based in Key West, Florida. Its Q2 2026 call report shows $24.0M in total assets and $21.6M in member shares and deposits and 1 office.

Monroe County Teachers Federal Credit Union has a TellerScore of 38 out of 100 (low) based on Q2 2026 data — higher than only 3% of its 2,479 credit unions with under $100 million in assets. Among 107 credit unions headquartered in Florida, it ranks 106th. Funding & liquidity contributes the most (84/100, 76% loans-to-deposits, 3% uninsured); earnings contributes the least (0/100, -1.97%).

TellerScore · Q2 2026

Scorecard

Capital cushion44/100
Net worth ratio: 9.39%
Loan quality30/100
Loans 60+ days delinquent ÷ total loans: 2.09%
Earnings0/100
Return on assets (annualized): -1.97%
Funding & liquidity84/100
Loans ÷ shares: 76.0% · 3.4% uninsured
Problem-loan coverage51/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 24.25%

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

From Q2 2025 to Q2 2026, the score fell 17 points (55 → 38), mostly because the earnings component weakened by 40 points.

TellerScore
385469Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202469
Q3 202461
Q4 202455
Q1 202555
Q2 202555
Q3 202559
Q4 202550
Q1 202649
Q2 202638
Net worth ratio
7.00%8.52%10.03%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.99%
Q3 202410.03%
Q4 20249.83%
Q1 20259.68%
Q2 20259.85%
Q3 20259.54%
Q4 20259.50%
Q1 20269.45%
Q2 20269.39%
Delinquent loans (60+ days)
0.21%1.15%2.09%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.21%
Q3 20240.56%
Q4 20241.18%
Q1 20251.37%
Q2 20251.45%
Q3 20250.69%
Q4 20251.27%
Q1 20261.13%
Q2 20262.09%
Return on assets
-2.10%-0.72%0.66%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.66%
Q3 20240.33%
Q4 20240.33%
Q1 20250.61%
Q2 20250.50%
Q3 20250.21%
Q4 2025-0.12%
Q1 2026-2.10%
Q2 2026-1.97%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202638$24.0M9.39%2.09%-1.97%76.0%
Q1 202649$25.1M9.45%1.13%-2.10%73.6%
Q4 202550$26.4M9.50%1.27%-0.12%76.2%
Q3 202559$27.1M9.54%0.69%0.21%77.0%
Q2 202555$26.4M9.85%1.45%0.50%81.6%
Q1 202555$26.9M9.68%1.37%0.61%82.5%
Q4 202455$26.0M9.83%1.18%0.33%85.3%
Q3 202461$25.3M10.03%0.56%0.33%87.4%
Q2 202469$25.6M9.99%0.21%0.66%83.1%

2,479 peers · Under $100 million in assets

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 ratio9.39%
12th
Problem loans2.09%
20th
Net charge-offs1.63%
7th
Return on assets-1.97%
4th
Loans to deposits76.0%
25th
Uninsured deposits3.4%
32nd
Loan-loss reserves0.00%
37th
Texas ratio24.3%
3rd

Similar-size credit unions in Florida

InstitutionScoreAssetsCapitalProblem loansCompare
Financial Educators Federal Credit UnionCredit union Daytona Beach, FL90 out of 100, Very strong$23.5M15.7%0.00%vs
Farmers Federal Credit UnionCredit union Jacksonville, FL73 out of 100, Strong$22.4M10.6%0.00%vs
Suwannee River Federal Credit UnionCredit union Live Oak, FL83 out of 100, Strong$25.7M12.1%0.03%vs
Compass Financial Federal Credit UnionCredit union Hialeah, FL64 out of 100, Moderate$25.9M10.5%0.17%vs
Metro North Federal Credit UnionCredit union Jacksonville, FL87 out of 100, Very strong$21.7M16.7%0.07%vs
Florida a & M University Federal Credit UnionCredit union Tallahassee, FL43 out of 100, Below average$28.0M11.9%3.46%vs

Deposit insurance

Is my money safe at Monroe County Teachers Federal Credit Union?

Yes. Monroe County Teachers Federal Credit Union is a federally insured credit union (NCUA charter #7039). 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 3.4% of shares and deposits ($741K) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 9.39%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Monroe County Teachers Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Monroe County Teachers Federal Credit Union
Type
Federal credit union
NCUA charter #
7039
RSSD ID
256487
Primary regulator
NCUA
Established
1950
Headquarters
1442 Kennedy Dr, Key West, FL 33040
Employees
5

Quick answers

Monroe County Teachers Federal Credit Union: common questions

Is Monroe County Teachers Federal Credit Union NCUA insured?

Yes. Monroe County Teachers Federal Credit Union is a federally insured credit union (NCUA charter #7039). 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 Monroe County Teachers Federal Credit Union's TellerScore?

38 out of 100 (Low), 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 Monroe County Teachers Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Key West

InstitutionScoreAssetsCapitalProblem loansCompare
Southernmost Federal Credit UnionCredit union Key West, FL80 out of 100, Strong$16.1M18.8%0.00%vs
Centennial BankBank Conway, AR79 out of 100, Strong$24.6B12.6%0.55%vs
First State BankBank Key West, FL67 out of 100, Moderate$1.2B10.3%0.15%vs
First Horizon BankBank Memphis, TN64 out of 100, Moderate$84.1B10.3%0.83%vs
Truist BankBank Charlotte, NC63 out of 100, Moderate$548.3B9.8%0.72%vs
Keys Federal Credit UnionCredit union Key West, FL62 out of 100, Moderate$253.2M11.0%0.88%vs