Key West, Florida · Peer group 3
Monroe County Teachers Credit Union
Monroe County Teachers Credit Union holds $25.1M in assets across 2,045 members as of Q1 2026 — about $12K of assets per member, on a charter dating to 1950. Charter number 7039, in the $10M-$50M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $25.1M |
|---|---|
| Total loans | $16.7M |
| Total shares (deposits) | $22.6M |
| Net worth | $2.4M |
| Members | 2,045 |
| Assets per member | $12K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -6.5% | |
|---|---|---|
| Loans | -16.7% | lower than 95% of its peer group |
| Deposits | -6.5% | lower than 91% of its peer group |
| Members | -2.4% | around the 36th 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 | 73.6% | around the 75th percentile of its peer group |
|---|---|---|
| Net worth ratio | 9.4% | around the 14th percentile of its peer group |
| Return on assets | -2.10% | lower than 97% of its peer group |
| Delinquency ratio | 1.13% | around the 71st percentile of its peer group |
| Cash / assets | 24.2% | higher than 90% of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is Monroe County Teachers 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.
- Compass Financial Credit Union
Hialeah, FL
$25.1M · 3,957 members
- Suwannee River Credit Union
LIVE OAK, FL
$25.9M · 2,338 members
- Florida a & M University Credit Union
Tallahassee, FL
$27.5M · 3,802 members
- Financial Educators Credit Union
Daytona Beach, FL
$22.6M · 1,415 members
- Farmers Credit Union
JACKSONVILLE, FL
$22.3M · 1,142 members
- Metro North Credit Union
JACKSONVILLE, FL
$21.6M · 1,277 members
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