Headquartered in Key West, Florida, Southernmost Federal Credit Union is a federal credit union with $16.1M in total assets and $12.8M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1954.
Southernmost Federal Credit Union has a TellerScore of 80 out of 100 (strong) based on Q2 2026 data — higher than 65% of its 2,479 credit unions with under $100 million in assets. Among 107 credit unions headquartered in Florida, it ranks 25th. Capital cushion contributes the most (100/100, 18.77%); earnings contributes the least (15/100, -0.12%).
TellerScore · Q2 2026
Scorecard
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 rose 2 points (78 → 80), mostly because the loan quality component improved by 14 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 86 |
| Q3 2024 | 83 |
| Q4 2024 | 84 |
| Q1 2025 | 77 |
| Q2 2025 | 78 |
| Q3 2025 | 78 |
| Q4 2025 | 80 |
| Q1 2026 | 82 |
| Q2 2026 | 80 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 17.78% |
| Q3 2024 | 18.07% |
| Q4 2024 | 18.54% |
| Q1 2025 | 18.01% |
| Q2 2025 | 18.63% |
| Q3 2025 | 19.04% |
| Q4 2025 | 19.43% |
| Q1 2026 | 18.17% |
| Q2 2026 | 18.77% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.22% |
| Q3 2024 | 0.20% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.42% |
| Q3 2025 | 0.32% |
| Q4 2025 | 0.33% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.83% |
| Q3 2024 | 0.49% |
| Q4 2024 | 0.46% |
| Q1 2025 | -0.76% |
| Q2 2025 | 0.18% |
| Q3 2025 | 0.16% |
| Q4 2025 | 0.41% |
| Q1 2026 | 0.10% |
| Q2 2026 | -0.12% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 80 | $16.1M | 18.77% | 0.00% | -0.12% | 80.4% |
| Q1 2026 | 82 | $16.7M | 18.17% | 0.00% | 0.10% | 80.5% |
| Q4 2025 | 80 | $15.5M | 19.43% | 0.33% | 0.41% | 88.3% |
| Q3 2025 | 78 | $15.8M | 19.04% | 0.32% | 0.16% | 88.9% |
| Q2 2025 | 78 | $16.0M | 18.63% | 0.42% | 0.18% | 87.0% |
| Q1 2025 | 77 | $16.6M | 18.01% | 0.00% | -0.76% | 83.7% |
| Q4 2024 | 84 | $16.0M | 18.54% | 0.00% | 0.46% | 82.1% |
| Q3 2024 | 83 | $16.4M | 18.07% | 0.20% | 0.49% | 79.2% |
| Q2 2024 | 86 | $16.7M | 17.78% | 0.22% | 0.83% | 76.1% |
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).
Similar-size credit unions in Florida
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Jefferson County Teachers Credit UnionCredit union Monticello, FL | 75 out of 100, Strong | $16.4M | 13.9% | 0.85% | vs |
| South Atlantic Federal Credit UnionCredit union Boca Raton, FL | 56 out of 100, Moderate | $17.8M | 9.1% | 1.27% | vs |
| Hialeah Municipal Employees Federal Credit UnionCredit union Hialeah, FL | 81 out of 100, Strong | $14.2M | 22.9% | 0.04% | vs |
| Metro North Federal Credit UnionCredit union Jacksonville, FL | 87 out of 100, Very strong | $21.7M | 16.7% | 0.07% | vs |
| Farmers Federal Credit UnionCredit union Jacksonville, FL | 73 out of 100, Strong | $22.4M | 10.6% | 0.00% | vs |
| Financial Educators Federal Credit UnionCredit union Daytona Beach, FL | 90 out of 100, Very strong | $23.5M | 15.7% | 0.00% | vs |
Deposit insurance
Is my money safe at Southernmost Federal Credit Union?
Yes. Southernmost Federal Credit Union is a federally insured credit union (NCUA charter #9105). 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 3.5% of shares and deposits ($453K) 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 18.77%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Southernmost Federal Credit Union lists 1 office in 1 city. Most locations:
- Key West, FL (1)
Identity & history
Profile
- Legal name
- Southernmost Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 9105
- RSSD ID
- 113580
- Primary regulator
- NCUA
- Established
- 1954
- Headquarters
- 1004 Kennedy Drive, Key West, FL 33040
- Employees
- 5
Quick answers
Southernmost Federal Credit Union: common questions
Is Southernmost Federal Credit Union NCUA insured?
Yes. Southernmost Federal Credit Union is a federally insured credit union (NCUA charter #9105). 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 Southernmost Federal Credit Union's TellerScore?
80 out of 100 (Strong), 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 Southernmost Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Key West
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Centennial BankBank Conway, AR | 79 out of 100, Strong | $24.6B | 12.6% | 0.55% | vs |
| First State BankBank Key West, FL | 67 out of 100, Moderate | $1.2B | 10.3% | 0.15% | vs |
| First Horizon BankBank Memphis, TN | 64 out of 100, Moderate | $84.1B | 10.3% | 0.83% | vs |
| Truist BankBank Charlotte, NC | 63 out of 100, Moderate | $548.3B | 9.8% | 0.72% | vs |
| Keys Federal Credit UnionCredit union Key West, FL | 62 out of 100, Moderate | $253.2M | 11.0% | 0.88% | vs |
| Gulf Atlantic BankBank Key West, FL | 62 out of 100, Moderate | $253.2M | 9.4% | 0.20% | vs |