Southernmost FCU
Credit union in Key West, FL · NCUA charter #9105 · Federal charter
Legal name: Southernmost
Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.
| Total assets | $16.1M |
| Total loans & leases | $10.3M |
| Total shares & deposits | $12.8M |
| Members | 1,230 |
| Net worth | $3.0M |
| Net worth / assets | 18.77% |
| Loans / assets | 64.05% |
| Return on assets (annualized) | −0.12% |
| Loan growth (YoY) | −7.74% |
| Member growth (YoY) | −0.81% |
| Delinquency, all loans (60+ days) | 0.00% |
| Charter | Federal charter |
| Asset band | < $50M |
| NCUA peer group | $10M–$50M |
| Sponsor type | Government |
AI readiness
No public evidence
Nothing public says the credit union uses AI.
No public evidence found as of 2026-09-22. Checked: its website, announcements by AI vendors, news search. Absence of evidence is not evidence of absence; a credit union may use AI without saying so publicly.
Filed signals, from the credit union's own NCUA call report (Q2 2026): online membership application, online loan application, online loan payments, bill payment, e-Statements. These are relationships and channels, not AI as such.
The AI Score runs from one to five stars; one star, no public evidence, is never shown on a credit union. Scores and sources for every credit union: CU AI Ready Report.
In the explorer: ten-year history for every metric, balance sheet and income statement drill-downs, percentile rankings against asset-size peers, leaders and board, branches, and growth opportunities.
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