Key West, Florida · Peer group 5
Keys Credit Union
Keys Credit Union holds $257.9M in assets across 18,108 members as of Q1 2026 — about $14K of assets per member, on a charter dating to 1940. Charter number 4135, in the $100M-$500M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $257.9M |
|---|---|
| Total loans | $177.2M |
| Total shares (deposits) | $223.8M |
| Net worth | $28.2M |
| Members | 18,108 |
| Assets per member | $14K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -2.1% | |
|---|---|---|
| Loans | -1.5% | around the 26th percentile of its peer group |
| Deposits | -3.0% | lower than 92% of its peer group |
| Members | -1.0% | around the 40th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 79.2% | around the 66th percentile of its peer group |
|---|---|---|
| Net worth ratio | 10.9% | around the 41st percentile of its peer group |
| Return on assets | 0.02% | lower than 91% of its peer group |
| Delinquency ratio | 0.99% | around the 76th percentile of its peer group |
| Cash / assets | 12.9% | around the 69th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 40th percentile of its peer group |
What this page does not show
Everything above is Keys Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Florida — the comparison set a peer ratio is measured against.
- Gold Coast Credit Union
PALM SPRINGS, FL
$267.8M · 19,617 members
- Community South Credit Union
Chipley, FL
$239.1M · 15,013 members
- University Credit Union
MIAMI, FL
$233.4M · 16,134 members
- Jetstream Credit Union
Miami Lakes, FL
$287.6M · 14,206 members
- Alive Credit Union
Jacksonville, FL
$294.2M · 18,605 members
- Santa Rosa County Credit Union
MILTON, FL
$221.2M · 13,743 members
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