Kelly Community
Tyler, TX · Charter 15467 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 3 branches
Q2 2026
$189.4MAssets
$141.8MLoans
$161.4MShares
$23.9MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 87% of credit unions under $1B in assets in TX (rank 31 of 235).
- Widest gap: nonperforming loans / loans trails 65% of credit unions under $1B in assets in TX (rank 154 of 235).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
1.33%
Rank 45 of 235
Net Interest Margin
3.72%
Rank 137 of 235
Efficiency Ratio
66.67%
Rank 41 of 235
Equity / Assets
12.63%
Rank 144 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.33% | 0.17% | 0.57% | 1.10% | Beats 81% | 45 / 235 | | |
| Return on Equity | 10.50% | 1.03% | 4.30% | 7.58% | Beats 87% | 31 / 235 | | |
| Net Interest Margin | 3.72% | 3.32% | 3.89% | 4.35% | Beats 42% | 137 / 235 | | |
| Efficiency Ratio | 66.67% | 70.60% | 82.00% | 91.57% | Beats 83% | 41 / 235 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.82% | 0.20% | 0.59% | 1.14% | Beats 35% | 154 / 235 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.63% | 11.30% | 14.41% | 19.49% | Beats 39% | 144 / 235 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.63% | 11.30% | 14.41% | 19.49% | Beats 39% | 144 / 235 | | |
| Liquidity & Funding |
| Loans / Deposits | 87.86% | 54.18% | 67.38% | 81.66% | 84th pctl | 38 / 235 | | |
| Loans / Assets | 74.88% | 43.80% | 56.63% | 68.64% | 87th pctl | 31 / 235 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |