PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Keystone

Tyler, TX · Charter 67869

NCUA · 2 branches

Q2 2026

$40.2MAssets
$27.7MLoans
$29.1MShares
$11.0MNet 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 0.87%, up 37 bps year over year; NIM at 3.01%.
  • Asset quality: problem loans at 0.68% of loans (+28 bps YoY).
  • Capital: net worth / assets of 27.38%, down 6 bps from a year ago.
  • Funding: loans stand at 95.30% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.87%+37 bps YoY

Net Interest Margin (quarter, annualized)

3.01%+39 bps YoY

Efficiency Ratio (quarter, annualized)

70.47%-1,373 bps YoY

Net Worth / Assets

27.38%-6 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.49%0.46%0.52%0.95%0.87%+37 bps
Return on Equity1.80%1.69%1.92%3.42%3.16%+137 bps
Net Interest Margin2.62%2.65%2.75%2.99%3.01%+39 bps
Efficiency Ratio84.19%83.41%81.53%69.19%70.47%-1,373 bps
Growth
Asset Growth (YoY)2.92%1.74%2.17%-0.29%-0.29%-322 bps
Loan Growth (YoY)-3.92%-4.45%-5.08%-7.80%-4.64%-72 bps
Share Growth (YoY)3.75%1.85%2.17%-1.12%-1.38%-513 bps
Asset Quality
Delinquent Loans / Loans0.40%2.11%2.55%2.34%0.68%+28 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 Capital27.44%27.38%27.15%27.80%27.38%-6 bps
Net Worth / Assets27.44%27.38%27.15%27.80%27.38%-6 bps
Liquidity & Funding
Loans / Shares98.56%97.42%93.11%92.21%95.30%-326 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps