KEYS
Federal • Key West, Florida • Est. 1940
Quick Facts
- Charter Number
- #4135
- Type
- Federal
- Established
- 1940
- Headquarters
- Key West, Florida 33040
- Address
- 3022 N Roosevelt Blvd
- Branches
- 6
- ATMs
- 6
- Members
- 18,296
- Membership Type
- Other/Unknown
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Above-average financial health. Net worth is strong and key ratios are within normal ranges, with minor areas to monitor.
Financial Overview
Total Assets
Members
18,296 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | KEYS |
|---|---|
| Total Assets | $249.8M |
| Members | 18,296 |
| Loans Outstanding | $177.2M |
| Shares & Deposits | $216.2M |
| Net Worth | $28.2M |
| Net Worth Ratio | 11.25% |
| Loan-to-Share Ratio | 82.0% |
| Delinquency Rate | 1.61% |
| Net Income | +$4,395,649 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
6 locations · 6 ATMs
Southard Street
514 Southard St
Key West, FL 33040
Big Pine
29977 Overseas Hwy
Big Pine Key, FL 33043
Key Plaza
Main Office3022 N Roosevelt Blvd
Key West, FL 33040
Stock Island
5402 Overseas Hwy
Key West, FL 33040
Marathon in town
5050 Overseas Hwy
Marathon, FL 33050
Who Can Join KEYS?
Membership Type: Other/Unknown
Membership eligibility for KEYS may vary. Contact the credit union directly to confirm qualification requirements.
Contact KEYS directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Florida RankingsFrequently Asked Questions
Yes. KEYS is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, KEYS has 18,296 members and a potential membership field of 75,000 people.
KEYS's net worth ratio is 11.25% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 11.3%, KEYS meets this threshold.
KEYS operates 6 branch locations and has access to 6 ATMs. The main office is located at 3022 N Roosevelt Blvd, Key West, FL 33040.
KEYS was established in 1940. It is a federal credit union chartered under charter number 4135. The institution has been serving members for 86 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or KEYS. All financial data is for informational purposes only.