PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Kelly Community

Tyler, TX · Charter 15467

NCUA · 3 branches

Q2 2026

$189.4MAssets
$141.8MLoans
$161.4MShares
$23.9MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.33%, up 36 bps year over year; NIM at 3.72%.
  • Asset quality: problem loans at 0.82% of loans (+56 bps YoY).
  • Capital: net worth / assets of 12.64%, up 11 bps from a year ago.
  • Funding: loans stand at 87.86% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.33%+36 bps YoY

Net Interest Margin (YTD, annualized)

3.72%+14 bps YoY

Efficiency Ratio (YTD, annualized)

66.67%-702 bps YoY

Net Worth / Assets

12.64%+11 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.97%0.93%1.36%1.59%1.33%+36 bps
Return on Equity7.72%7.23%10.42%12.63%10.50%+278 bps
Net Interest Margin3.57%3.69%3.65%3.68%3.72%+14 bps
Efficiency Ratio73.70%74.05%67.79%63.02%66.67%-702 bps
Growth
Asset Growth (YoY)-2.53%0.65%3.55%7.53%12.21%+1,474 bps
Loan Growth (YoY)2.89%7.45%11.37%12.90%14.44%+1,155 bps
Share Growth (YoY)-3.25%-0.45%2.40%6.81%9.89%+1,314 bps
Asset Quality
Delinquent Loans / Loans0.26%0.37%0.71%0.32%0.82%+56 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.52%12.82%13.05%12.56%12.64%+11 bps
Net Worth / Assets12.52%12.82%13.05%12.56%12.64%+11 bps
Liquidity & Funding
Loans / Shares84.37%89.02%89.18%83.97%87.86%+349 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps