Keys
Key West, FL · Charter 4135 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 6 branches
Q2 2026
$253.2MAssets
$176.3MLoans
$218.6MShares
$27.8MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 84% of credit unions under $1B in assets (rank 269 of 1683).
- Widest gap: return on assets trails 79% of credit unions under $1B in assets (rank 1328 of 1683).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.28%
Rank 1,328 of 1,683
Net Interest Margin
4.64%
Rank 269 of 1,683
Efficiency Ratio
74.88%
Rank 671 of 1,682
Equity / Assets
10.98%
Rank 1,157 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.28% | 0.35% | 0.74% | 1.18% | Beats 21% | 1,328 / 1,683 | |
| Return on Equity | 2.54% | 2.67% | 5.89% | 8.74% | Beats 23% | 1,287 / 1,681 | |
| Net Interest Margin | 4.64% | 3.31% | 3.82% | 4.32% | Beats 84% | 269 / 1,683 | |
| Efficiency Ratio | 74.88% | 68.91% | 78.20% | 86.93% | Beats 60% | 671 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.88% | 0.26% | 0.65% | 1.29% | Beats 39% | 1,029 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.98% | 10.44% | 12.89% | 16.53% | Beats 31% | 1,157 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.98% | 10.44% | 12.89% | 16.53% | Beats 31% | 1,157 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 80.63% | 52.61% | 69.38% | 83.50% | 70th pctl | 498 / 1,683 | |
| Loans / Assets | 69.62% | 44.71% | 59.18% | 70.72% | 73rd pctl | 458 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |