Keys
Keys is a credit union based in Key West, Florida, established in 1940, with $258 million in total assets serving 18,108 members. By Trust Grade it ranks 81st of 107 credit unions we track in Florida. Its net worth ratio of 10.9% trails most similarly sized credit unions (44th percentile), versus a Florida median of 11.1%. It was profitable over the most recent period, with a 0.02% return on assets. No consumer complaints against Keys appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Keys compares to Florida peers
How we graded Keys
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (10.9% capital ratio)
- Profitable (ROA 0.02%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Keys over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Keys insured?
Yes. Keys is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Keys: frequently asked questions
Is Keys a good credit union?
Keys earns a Bankzia Trust Grade of B (86/100, "Strong"), based on a financial-strength score of 86/100 (it has no CFPB complaints on record). Well-capitalized (10.9% capital ratio); Profitable (ROA 0.02%).
Is Keys NCUA-insured?
Yes. Keys is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Keys?
Keys holds $258 million in total assets, ranking 81st of 107 credit unions we track in Florida. It serves 18,108 members.
Does Keys have CFPB complaints?
No CFPB complaints against Keys appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
