Monroe County Teachers Federal Credit Union Key West, Florida
Monroe County Teachers Federal Credit Union is a federal credit union headquartered in Key West, FL, established in 1950 (NCUA charter 7039), and it is regulated and insured by the NCUA. At Q2 2026 it reported 2,036 members and total assets of $24.0M (down 9.3% from Q2 2025), the 93rd largest of 106 credit unions headquartered in Florida. Its net worth ratio was 9.39% at Q2 2026, in the well capitalized band.
Also written as Monroe County Teachers FCU
BankRegReports is independent of Monroe County Teachers Federal Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 7039
- Headquarters
- Key West, FL
- Established
- 1950
- Total assets, Q2 2026
- $24.0M
- Assets vs Q2 2025
- -9.3%
- Members, Q2 2026
- 2,036
- Net worth ratio, Q2 2026
- 9.39%
- Latest call report
- Q2 2026, NCUA 5300 · Monroe County Teachers Federal Credit Union call report
- Asset rank in state
- 93rd of 106 in Florida
- Routing number
- 267079544
- Branches
- 2
It has 64 fewer members than on June 30, 2025 (-3.0%). Its net worth ratio was down 0.46 percentage points from 9.85% on June 30, 2025. New vehicle loans are its largest loan category, $8.7M of $16.4M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 2.09% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 9.39% net worth ratio is below that band's 14.31% median.
Credit unions similar in size in Florida
Frequently asked about Monroe County Teachers Federal Credit Union
How big is Monroe County Teachers Federal Credit Union?
At Q2 2026 it reported total assets of $24.0M and 2,036 members.
Where is Monroe County Teachers Federal Credit Union headquartered?
It is headquartered in Key West, FL, United States.
When was Monroe County Teachers Federal Credit Union founded?
It was established in 1950, per NCUA records.
Is Monroe County Teachers Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 7039): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Monroe County Teachers Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Monroe County Teachers Federal Credit Union well capitalized?
Its net worth ratio was 9.39% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Monroe County Teachers Federal Credit Union's delinquency ratio?
Its delinquency ratio was 2.09% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Monroe County Teachers Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 75.98% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Key West, FL 33040
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1950
- NCUA Charter #
- 7039
- RSSD ID
- 256487
- Members
- 2,036
- Potential members
- 13,534
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 0 of 7 ranked measures and in the bottom quartile on 6.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 9.39% | 14.31% | 12th bottom |
| Return on assets Middle half of peers: 0.16% to 1.30% | -1.74% | 0.72% | under 10th bottom |
| Return on equity Middle half of peers: 1.04% to 8.69% | -18.53% | 4.74% | under 10th bottom |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.31% | 3.93% | 25th below |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 96.70% | 79.83% | 19th bottom |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 2.50% | 0.78% | under 10th bottom |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 2.09% | 0.86% | 24th bottom |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 5.81% | 4.70% | 85th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 75.98% | 58.92% | 75th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$24.0M total assets against $26.4M; $21.6M total shares and deposits against $23.7M; $16.4M total loans against $19.4M.
$2.3M net worth against $2.6M.
9.39% net worth ratio against 9.85%.
75.98% loan-to-share ratio against 81.62%.
2.09% delinquency ratio against 1.45%.
-1.74% return on assets against 0.37%; -18.53% return on equity against 3.77%.
3.31% net interest margin against 3.15%.
2,036 members against 2,100.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 9.39% | -1.74% | 2.09% | 75.98% |
| March 31, 2026 | 9.45% | -2.10% | 1.13% | 73.56% |
| December 31, 2025 | 9.50% | -1.14% | 1.27% | 76.24% |
| September 30, 2025 | 9.54% | -0.35% | 0.69% | 76.98% |
| June 30, 2025 | 9.85% | 0.37% | 1.45% | 81.62% |
| March 31, 2025 | 9.68% | 0.61% | 1.37% | 82.49% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 2% of the loan book, well above the credit-union industry norm of under 1%. Sustained high delinquency erodes net worth through charge-offs. BankRegReports band vs the <1% industry norm.
The credit union posted negative net income relative to assets in its latest filing. Credit unions build net worth only through retained earnings, so sustained losses gradually weaken capital. BankRegReports flag, negative earnings.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.