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Overview / Commentary
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 3,863rd largest credit union in the nation. It was established in 1954 and as of June of 2016, it had grown to 5 employees and 1,936 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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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

NCUA #9105
Year Chartered1954
Primary Regulator
Profit Margin
Return on Assets - YTD0.19%
Return on Equity - YTD0.91%
Annual Interest Income$314.00K
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$13.9MM$12.2MM
LoansQ2 2016vs Q2 2015$8.1MM$7.6MM
DepositsQ2 2016vs Q2 2015$10.9MM$9.3MM
Equity CapitalQ2 2016vs Q2 2015$2.9MM$2.8MM
Loan Loss AllowanceQ2 2016vs Q2 2015$117.00K$128.00K
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$6.00K$66.00K
Real Estate OwnedQ2 2016vs Q2 2015$0$0
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Southernmost Federal Credit Union Savings Account Rates

0.50%$100-Regular Share Account
0.50%$100-Christmas Club Account
0.50%$100-Vacation Club Account
0.50%$100-IRA Share Account

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