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Overview / Commentary
800-794-8756
1004 Kennedy Dr
Key West, FL 33040-4019

Southernmost Federal Credit Union is headquartered in Key West and is the 123rd largest credit union in the state of Florida. It is also the 3,812th largest credit union in the nation. It was established in 1954 and as of September of 2016, it had grown to 5 employees and 1,943 members at 1 location. Southernmost Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership is open to employees of the City of Key West, Monroe County, Keys Energy Service, Lower Keys Medical Center, Florida Keys Aqueduct Authority, Monroe County Mosquito Control, Local States Attorneys Office, Key West Power Squadron, NAS Crash Crew, and to Monroe County Board of Commissioners and Staff and members of Loyal Order of Moose Lodge.
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Health
B+
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Southernmost Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #9105
Year Chartered1954
Employees5
Primary Regulator
Profit Margin
Return on Assets - YTD0.21%
Return on Equity - YTD1.03%
Annual Interest Income$476.00K
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$14.5MM$13.3MM
LoansQ3 2016vs Q3 2015$8.2MM$7.8MM
DepositsQ3 2016vs Q3 2015$11.5MM$10.3MM
Equity CapitalQ3 2016vs Q3 2015$2.9MM$2.8MM
Loan Loss AllowanceQ3 2016vs Q3 2015$125.00K$93.00K
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$47.00K$21.00K
Real Estate OwnedQ3 2016vs Q3 2015$0$0
Rates
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Southernmost Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%$100-Regular Share Account
0.50%$100-Christmas Club Account
0.50%$100-Vacation Club Account
0.50%$100-IRA Share Account
Locations


Southernmost Federal Credit Union Locations
Branch Office1004 Kennedy DrKey West, FL 33040-4019