SOUTHERNMOST
Federal • Key West, Florida • Est. 1954
Quick Facts
- Charter Number
- #9105
- Type
- Federal
- Established
- 1954
- Headquarters
- Key West, Florida 33040-4019
- Address
- 1004 Kennedy Dr
- Branches
- 1
- ATMs
- 1
- Members
- 1,225
- Membership Type
- Community
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
1,225 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | SOUTHERNMOST |
|---|---|
| Total Assets | $16.7M |
| Members | 1,225 |
| Loans Outstanding | $10.8M |
| Shares & Deposits | $13.4M |
| Net Worth | $3.0M |
| Net Worth Ratio | 18.17% |
| Loan-to-Share Ratio | 80.5% |
| Delinquency Rate | 0.00% |
| Net Income | +$4,110 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
Branch Locations
1 location · 1 ATMs
Southernmost Federal Credit Union
Main Office1004 Kennedy Dr
Key West, FL 33040-4019
Who Can Join SOUTHERNMOST?
Membership Type: Community
Membership eligibility for SOUTHERNMOST may vary. Contact the credit union directly to confirm qualification requirements.
Contact SOUTHERNMOST 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
SOUTHERNMOST 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, SOUTHERNMOST has 1,225 members and a potential membership field of 4,000 people.
SOUTHERNMOST's reported net worth ratio is 18.17% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
SOUTHERNMOST operates 1 branch location and has access to 1 ATMs. The main office is located at 1004 Kennedy Dr, Key West, FL 33040-4019.
SOUTHERNMOST was established in 1954. It is a federal credit union chartered under charter number 9105. The institution has been serving members for 72 years.
Data sourced from the NCUA Quarterly Call Report (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or SOUTHERNMOST. All financial data is for informational purposes only.