Keystone
Tyler, TX · Charter 67869 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 2 branches
Q2 2026
$40.2MAssets
$27.7MLoans
$29.1MShares
$11.0MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 91% of credit unions under $1B in assets in TX (rank 20 of 235).
- Widest gap: net interest margin trails 89% of credit unions under $1B in assets in TX (rank 209 of 235).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.87%
Rank 84 of 235
Net Interest Margin
3.00%
Rank 209 of 235
Efficiency Ratio
70.60%
Rank 59 of 235
Equity / Assets
27.38%
Rank 20 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.87% | 0.17% | 0.57% | 1.10% | Beats 64% | 84 / 235 | |
| Return on Equity | 3.16% | 1.03% | 4.30% | 7.58% | Beats 41% | 139 / 235 | |
| Net Interest Margin | 3.00% | 3.32% | 3.89% | 4.35% | Beats 11% | 209 / 235 | |
| Efficiency Ratio | 70.60% | 70.60% | 82.00% | 91.57% | Beats 75% | 59 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.68% | 0.20% | 0.59% | 1.14% | Beats 43% | 136 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 27.38% | 11.30% | 14.41% | 19.49% | Beats 91% | 20 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 27.38% | 11.30% | 14.41% | 19.49% | Beats 91% | 20 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 95.30% | 54.18% | 67.38% | 81.66% | 94th pctl | 14 / 235 | |
| Loans / Assets | 68.93% | 43.80% | 56.63% | 68.64% | 76th pctl | 57 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |