B
Keys Federal Credit Union
Rating Date
December 2025
Net Capital
Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Keys Federal Credit Union
Key West, FL
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Rating B
Asset Quality Index 6.30
Capitalization Index 8.00
Liquidity Index 2.80
Profitability Index 5.30
Stability Index 6.00
Company Info Keys Federal Credit Union
Key West, FL
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NCUA Charter Number 197
Phone Number (305) 294-6622
Website www.keysfcu.org
Asset Quality Keys Federal Credit Union
Key West, FL
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1-Year Asset Growth 0.04%
5-Year Asset Growth 10.36%
5-Year Charge-Offs to Average Loans 1.03%
Charge-Offs to Average Loans 1.75%
Non-Performing Assets to Assets 1.35%
Non-Performing Loans to Capital 12.00%
Non-Performing Loans to Loans 1.77%
Balance Sheet Keys Federal Credit Union
Key West, FL
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Total Assets 250.03M
Total Deposits 216.19M
Capital and Reserves Keys Federal Credit Union
Key West, FL
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Capital 25.43M
Leverage Ratio 11.08
Loan Loss Reserves to Loans 1.58%
Liquidity Keys Federal Credit Union
Key West, FL
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Hot Money Ratio 13.07%
Liquidity Ratio 15.10%
Profitability Keys Federal Credit Union
Key West, FL
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5-Year Return on Average Assets 1.20%
Net Income 820.00K
Net Interest Spread 5.33%
Operating Profit to Average Assets 1.74%
Overhead Efficiency Ratio 70.46%
Return on Assets 0.43%
Return on Equity 4.50%