Keys

Key West, FL · 1 · Charter #4135 · www.keysfcu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$249.8M
100th percentile
Members
18,296
96th percentile
Total loans
$177.2M
99th percentile
Total shares
$216.2M
99th percentile

Profitability

Return on assets
1.76%
86th percentile
Net interest margin
4.72%
92th percentile
Efficiency ratio
62.56%
50th percentile
Non-interest income ratio
20.03%
64th percentile

Capital & Risk

Net worth ratio
11.28%
38th percentile
Delinquency rate
1.61%
15th percentile
Net charge-off rate
1.65%
3th percentile
Loan-to-share
81.97%
75th percentile

Growth

Member growth YoY
-0.35%
53th percentile
Asset growth YoY
0.32%
22th percentile
Loan growth YoY
-0.23%
41th percentile
Share growth YoY
-1.86%
13th percentile

Operations

Members / branch
3,049
48th percentile
Assets / member
$13,651
43th percentile
Field of membership penetration
24.39%
73th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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