KEYS
Charter #4135 · Key West, FL · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.02% sits at the 7th percentile of structural peers — worth a closer look.
- Net interest margin of 4.57% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.99% sits at the 82nd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.73% sits at the 98th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 70th percentile but its structural peers at the 48th — a 22-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | KEYS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $257.94M | 65th pct | 52th pct |
| Members | 18,108 | 70th pct | 48th pct |
| Net worth ratio | 10.89% | 41th pct | 41th pct |
| Return on average assets | 0.02% | 8th pct | 7th pct |
| Net interest margin | 4.57% | 91th pct | 95th pct |
| Cost of funds | 0.91% | 33th pct | 30th pct |
| Loan-to-share | 79.16% | 66th pct | 62th pct |
| Delinquency 60+ days | 0.99% | 76th pct | 82th pct |
| Net charge-off ratio | 1.73% | 97th pct | 98th pct |
| Loan growth YoY | -0.41% | 42th pct | 30th pct |
| Share growth YoY | 3.52% | 51th pct | 44th pct |
| Efficiency ratio | 79.30% | 52th pct | 44th pct |
structural peer set hash: d87a31bf89e0ef328ba584ba149f7684… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.