Kelly Community

Tyler, TX · 1 · Charter #15467 · www.kellycommunity.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$173.8M
81th percentile
Members
10,514
71th percentile
Total loans
$134.0M
91th percentile
Total shares
$150.2M
82th percentile

Profitability

Return on assets
1.85%
89th percentile
Net interest margin
3.65%
49th percentile
Efficiency ratio
53.06%
78th percentile
Non-interest income ratio
28.51%
91th percentile

Capital & Risk

Net worth ratio
13.05%
60th percentile
Delinquency rate
0.71%
50th percentile
Net charge-off rate
0.41%
42th percentile
Loan-to-share
89.18%
85th percentile

Growth

Member growth YoY
5.09%
93th percentile
Asset growth YoY
3.55%
47th percentile
Loan growth YoY
11.37%
90th percentile
Share growth YoY
2.40%
41th percentile

Operations

Members / branch
3,505
59th percentile
Assets / member
$16,530
67th percentile
Field of membership penetration
4.50%
44th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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