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
- 18,108
- Membership Type
- Other/Unknown
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 10% and a delinquency rate below 1%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
18,108 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | KEYS |
|---|---|
| Total Assets | $257.9M |
| Members | 18,108 |
| Loans Outstanding | $177.2M |
| Shares & Deposits | $223.8M |
| Net Worth | $28.2M |
| Net Worth Ratio | 10.89% |
| Loan-to-Share Ratio | 79.2% |
| Delinquency Rate | 0.99% |
| Net Income | +$0 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
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.
Find More Credit Unions in Florida
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View Florida RankingsFrequently Asked Questions
KEYS is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, KEYS has 18,108 members and a potential membership field of 75,000 people.
KEYS's reported net worth ratio is 10.89% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
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 (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or KEYS. All financial data is for informational purposes only.