KEYS Credit Union Profile

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KEYS

Charter #4135 | NCUA Region 2 | FCU
Low-Income Designation: No
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (305) 294-6622

Fax: (305) 809-1215

Founding Date: N/A

Website: http://www.keysfcu.org

Personnel & Operations

President: Demes, Ronald

Manager: Sayer, Meagan

FT Employees: 54

PT Employees: 8

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 00

Branches: 6

Hours: Lobby M-Th 9am-5pm F 9am-6pm Drive-thru

Credit Union Profile Summary

KEYS is a FCU Credit Union. With a total of 18,362 members [1], this institution manages approximately $256,519,047 in total assets [1]. It does not currently hold a Low-Income Designation. Key financial indicators show a solid Net Worth Ratio of 10.62% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 2.24% [1].

Financial Snapshot

Total Assets [1]
$256,519,047

Total economic resources.

Total Loans [1]
$182,065,782

Total value of outstanding loans.

Total Deposits [1]
$223,632,871

Total funds deposited by members.

Members [1]
18,362

Number of active members.

Performance Ratios

Net Worth Ratio [1]
10.62%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
0.33%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
81.41%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↓ -0.21%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↑ 2.24%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↑ 1.30%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

3022 N Roosevelt Blvd

Key West, FL, 33040
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 5 branches reported by KEYS (Charter #4135).

Main Office

Key Plaza Main Office

Type: Corporate Office

3022 N Roosevelt Blvd

Key West, FL 33040

Phone: (305) 294-6622

Services: Member Services, ATM, Drive-Thru

Open in Directions

Additional Branches

Big Pine Key

Big Pine

Type: Branch Office

29977 Overseas Hwy

Big Pine Key, FL 33043

Phone: (305) 294-6622

Services: Member Services, ATM

Open in Directions

Key West

Southard Street

Type: Branch Office

514 Southard St

Key West, FL 33040

Phone: (305) 294-6622

Services: Member Services, ATM

Open in Directions

Stock Island

Type: Branch Office

5300 Overseas Hwy Ste 1

Key West, FL 33040-4327

Phone: (305) 294-6622

Services: Member Services, ATM

Open in Directions

Tavernier

Tavernier

Type: Branch Office

91200 Overseas Hwy Ste 15

Tavernier, FL 33070-2535

Phone: (305) 293-1208

Services: Member Services, ATM

Open in Directions