credit union

Monroe County Teachers

Q: Is Monroe County Teachers a good credit union?

Monroe County Teachers earns a Bankzia Trust Grade of D (64/100, "Below average"), based on a financial-strength score of 64/100 (it has no CFPB complaints on record). Well-capitalized (9.4% capital ratio); Unprofitable over the period (ROA -2.10%).

Q: Is Monroe County Teachers NCUA-insured?

Yes. Monroe County Teachers is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.

Q: How big is Monroe County Teachers?

Monroe County Teachers holds $25 million in total assets, ranking 106th of 107 credit unions we track in Florida. It serves 2,045 members.

Q: Does Monroe County Teachers have CFPB complaints?

No CFPB complaints against Monroe County Teachers appear in our data over the analysis window, which is typical for a credit union of this size.

Key West, FL · Est. 1950

Trust Grade

Below average

Score: 64/100

Monroe County Teachers is a credit union based in Key West, Florida, established in 1950, with $25 million in total assets serving 2,045 members. By Trust Grade it ranks 106th of 107 credit unions we track in Florida. Its net worth ratio of 9.4% trails most similarly sized credit unions (13th percentile), versus a Florida median of 11.1%. It posted a loss over the most recent period (-2.10% return on assets), a point to watch. No consumer complaints against Monroe County Teachers appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets

$25.1M

<$100M institution

Members

2,045

Shares & deposits

—

Net worth ratio

9.4%

Bottom 13% of <$100M peers · Florida median 11.1%

Return on assets

-2.1%

Bottom 4% of <$100M peers · Florida median 0.53%

Rank in Florida

#106

of 107 credit unions

How Monroe County Teachers compares to Florida peers

Net worth ratio

Bottom 13% of <$100M peers

Monroe County

9.4%

Florida median

11.1%

Higher capital ratio = stronger financial cushion

Return on assets

Bottom 4% of <$100M peers

Monroe County

-2.1%

Florida median

0.5%

Higher ROA = more profitable relative to asset base

How we graded Monroe County Teachers

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength

64/100

Customer experience

n/a

Overall

D · 64

Well-capitalized (9.4% capital ratio)
Unprofitable over the period (ROA -2.10%)
No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for Monroe County Teachers over the analysis window. For a smaller institution this is common and counts in its favor.

Are deposits at Monroe County Teachers insured?

Yes. Monroe County Teachers 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.