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 Drive
- Branches
- 1
- ATMs
- 1
- Members
- 1,231
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
1,231 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | SOUTHERNMOST |
|---|---|
| Total Assets | $15.5M |
| Members | 1,231 |
| Loans Outstanding | $10.9M |
| Shares & Deposits | $12.3M |
| Net Worth | $3.0M |
| Net Worth Ratio | 19.43% |
| Loan-to-Share Ratio | 88.3% |
| Delinquency Rate | 0.33% |
| Net Income | +$76,412 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
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.
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View Florida RankingsFrequently Asked Questions
Yes. SOUTHERNMOST 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, SOUTHERNMOST has 1,231 members and a potential membership field of 4,000 people.
SOUTHERNMOST's net worth ratio is 19.43% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 19.4%, SOUTHERNMOST meets this threshold.
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 (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or SOUTHERNMOST. All financial data is for informational purposes only.