Sep, 30, 2025 — KEYS FEDERAL CREDIT UNION is a federal credit union headquartered in KEY WEST, FL with 6 branch locations and about $250.03 million in total assets. Opened 86 years ago in 1940, KEYS FEDERAL CREDIT UNION has about 18,316 members and employs 57 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | KEYS FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 3022 N Roosevelt Blvd KEY WEST, FL 33040 |
| Phone: | (305) 294-6622 |
| Fax: | (305) 809-1215 |
| Website: | https://www.keysfcu.org |
| Branches: | 6 branch locations |
| Members: | 18,316 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 4135 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1940 |
| Last Audited: | Jun 01, 2025 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $250,029,093 |
| CEO/Manager: | Meagan K Sayer |
| Chairperson: | Ronald Demes |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 18,142,481 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 72,513,526 |
| Unsecured Loans | 30,103,494 |
| Other Loans | 75,273,948 |
| TOTAL LOANS | 177,890,968 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -2,817,901 |
| Land And Building | 3,622,814 |
| Other Fixed Assets | 8,221,990 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 2,062,098 |
| All Other Assets | 235,198 |
| TOTAL ASSETS | 250,029,093 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 8,401,015 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 73,131,051 |
| Regular shares | 72,017,705 |
| All Other Shares & Deposits | 71,045,322 |
| TOTAL SHARES & DEPOSITS | 216,194,079 |
| TOTAL LIABILITIES | 224,595,094 |
| Regular Reserve | 0 |
| Other Reserves | 2,415,768 |
| Undivided Earnings | 23,018,231 |
| TOTAL EQUITY | 25,433,999 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 250,029,093 |
| INCOME & EXPENSE | |
| Loan Income | 9,298,058 |
| Investment Income | 1,135,225 |
| Other Income | 859,915 |
| Total Employee Compensation & Benefits | 3,576,674 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 4,431,673 |
| Non-operating Income & (Expense) | 36,001 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 2,538,000 |
| Cost of Funds | 1,567,755 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 820,004 |
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