credit union · NCUA 4135 · FL
How big is KEYS?
KEYS (FL, NCUA charter 4135) reported total assets of $253.2M, 17,936 members and a net worth ratio of 10.98% in its Call Report for 2026Q2. That ranks 1144 of 4,299 federally insured credit unions by assets, 385 of 1,061 among credit unions with $100m-$500m in assets, 50 of 107 credit unions in florida.
What stands out
KEYS (FL, NCUA charter 4135) reported total assets of $253.2M, 17,936 members and a net worth ratio of 10.98% in its Call Report for 2026Q2. That ranks 1144 of 4,299 federally insured credit unions by assets, 385 of 1,061 among credit unions with $100m-$500m in assets, 50 of 107 credit unions in florida. Against its size class: net worth ratio 10.98%, below the peer median of 11.65%; loan-to-share ratio 80.63%, above the peer median of 73.15%; return on assets 0.28%, below the peer median of 0.74%. At 10.98% its net worth ratio is above the 7% NCUA threshold, which puts it in the "well capitalised" band of prompt corrective action; the regulator applies further tests, this page does not.
Key figures, 2026Q2
As filed with the NCUA; ratios computed by FACTANKER. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2026Q2 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $253.2M | $198.1M | $189.2M | $68.3M | record → |
| Shares and deposits | $218.6M | $172.3M | $167.8M | $58.3M | record → |
| Loans outstanding | $176.3M | $125.2M | $130.1M | $34.4M | record → |
| Net income (year to date) | $353.3k | $766.3k | $776.9k | $222.2k | record → |
| Net worth | $27.8M | $24.5M | $23.7M | $9.0M | record → |
| Net worth ratio | 10.98% | 11.65% | 11.17% | 12.65% | record → |
| Loan-to-share ratio | 80.63% | 73.15% | 74.14% | 68.70% | computed |
| Return on assets | 0.28% | 0.74% | 0.60% | 0.71% | computed |
| Members | 17,936 | 13,230 | 13,919 | 4,818 | record → |
Quarter by quarter
45 Call Reports on record, 2015Q2–2026Q2; the 40 most recent shown.
| Quarter | Total assets | Shares | Loans | Net income YTD | Net worth ratio | Members | Rank |
|---|---|---|---|---|---|---|---|
| 2026Q2 | $253.2M | $218.6M | $176.3M | $353.3k | 10.98% | 17,936 | 1144 |
| 2026Q1 | $257.9M | $223.8M | $177.2M | $14.4k | 10.89% | 18,108 | 1131 |
| 2025Q4 | $249.8M | $216.2M | $177.2M | $1.3M | 11.25% | 18,296 | 1142 |
| 2025Q3 | $250.0M | $216.2M | $177.9M | $820.0k | 11.05% | 18,316 | 1133 |
| 2025Q2 | $256.5M | $223.6M | $182.1M | $417.7k | 10.62% | 18,362 | 1114 |
| 2025Q1 | $263.5M | $230.7M | $179.9M | $214.5k | 10.51% | 18,298 | 1103 |
| 2024Q4 | $249.0M | $220.3M | $177.6M | $2.6M | 11.03% | 18,360 | 1124 |
| 2024Q3 | $249.9M | $220.6M | $176.3M | $2.2M | 10.82% | 18,258 | 1118 |
| 2024Q2 | $257.0M | $228.1M | $178.1M | $1.2M | 10.16% | 18,127 | 1100 |
| 2024Q1 | $262.8M | $235.9M | $181.0M | $672.0k | 9.96% | 17,872 | 1091 |
| 2023Q4 | $253.6M | $227.8M | $184.1M | $2.8M | 10.06% | 17,509 | 1108 |
| 2023Q3 | $257.4M | $233.1M | $186.2M | $2.3M | 9.70% | 17,292 | 1092 |
| 2023Q2 | $269.8M | $243.9M | $188.4M | $1.5M | 9.04% | 17,040 | 1064 |
| 2023Q1 | $275.0M | $249.3M | $180.5M | $1.3M | 8.81% | 16,728 | 1061 |
| 2022Q4 | $276.3M | $251.3M | $179.6M | $3.2M | 8.28% | 16,413 | 1052 |
| 2022Q3 | $279.1M | $258.4M | $173.1M | $2.1M | 7.81% | 16,082 | 1043 |
| 2022Q2 | $282.3M | $262.2M | $165.3M | $1.2M | 7.39% | 15,835 | 1034 |
| 2022Q1 | $275.1M | $253.8M | $155.6M | $578.7k | 7.38% | 15,662 | 1046 |
| 2021Q4 | $256.9M | $234.4M | $148.4M | $4.1M | 7.67% | 15,397 | 1082 |
| 2021Q3 | $242.6M | $221.2M | $146.8M | $2.9M | 7.63% | 15,156 | 1108 |
| 2021Q2 | $231.1M | $211.3M | $142.0M | $1.8M | 7.53% | 14,924 | 1141 |
| 2021Q1 | $216.0M | $196.9M | $144.1M | $856.6k | 8.54% | 14,647 | 1175 |
| 2020Q4 | $195.0M | $176.6M | $135.1M | $1.6M | 8.01% | 14,443 | 1200 |
| 2020Q3 | $184.9M | $166.9M | $131.9M | $944.6k | 8.07% | 14,393 | 1219 |
| 2020Q2 | $176.4M | $159.1M | $128.5M | $406.2k | 8.16% | 14,233 | 1237 |
| 2020Q1 | $160.2M | $143.7M | $115.1M | $74.9k | 8.77% | 14,091 | 1262 |
| 2019Q4 | $152.1M | $135.8M | $114.7M | $2.2M | 9.19% | 13,980 | 1273 |
| 2019Q3 | $152.7M | $136.2M | $114.4M | $1.6M | 8.78% | 13,946 | 1262 |
| 2019Q2 | $148.9M | $133.2M | $114.8M | $872.3k | 8.52% | 14,017 | 1287 |
| 2019Q1 | $150.3M | $135.1M | $113.7M | $328.1k | 8.08% | 13,981 | 1282 |
| 2018Q4 | $142.1M | $128.0M | $114.1M | $-96.8k | 8.32% | 13,953 | 1310 |
| 2018Q3 | $143.1M | $128.7M | $115.1M | $-199.9k | 8.19% | 13,959 | 1302 |
| 2018Q2 | $146.2M | $132.0M | $115.7M | $-362.9k | 7.95% | 13,922 | 1290 |
| 2018Q1 | $151.2M | $136.5M | $112.4M | $168.0k | 8.45% | 13,854 | 1259 |
| 2017Q4 | $145.2M | $130.8M | $112.9M | $1.7M | 8.55% | 13,767 | 1270 |
| 2017Q3 | $139.1M | $124.9M | $103.2M | $1.3M | 8.25% | 12,933 | 1302 |
| 2017Q2 | $136.3M | $122.6M | $100.6M | $820.1k | 8.09% | 12,657 | 1323 |
| 2017Q1 | $137.1M | $123.8M | $98.8M | $406.4k | 7.74% | 12,513 | 1318 |
| 2016Q4 | $130.6M | $118.1M | $98.3M | $2.1M | 7.82% | 12,178 | 1328 |
| 2016Q3 | $131.3M | $118.9M | $98.6M | $1.5M | 7.36% | 11,918 | 1321 |
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