Federal credit union · Tyler, Texas · NCUA charter #15467
Kelly Community
Health score 97/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 97
- Health / 100
- $173.8M
- Total assets
- 10,514
- Members
- 12.6%
- Net-worth ratio
Kelly Community scores 97/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $173.8M; members 10,514; net-worth ratio 12.56%; health rank #175 of 4,374; healthier than 95th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#175 of 4,374 health · 2025Q4Kelly Community · health 97/100 · $173.8M · 2025Q4
- CAMELS 97/100
- HEALTH 12.6%
- NW 0.71%
- DELQ 0.47%
- ROA $173.8M
- ASSETS 10,514
- MEM #175/4,374
- RANK MAC
- PHOTO 15467
Kelly Community in the assets neighbourhood
Kelly Community's $173.8M assets sit next to MAC ($173.9M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Kelly Community vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
97 Top 5% higher than 95% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Kelly Community - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #15467 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Kelly Community: Call Report deltas vs peers
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +16.98 pp (89.18% vs 72.20%).
- Largest lag: Return on Assets at 0.47% vs peer 0.62% (-0.15 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Texas standing for Kelly Community
- Texas health ordinal: #16 of 386.
- Assets rank #116 of 386 inside Texas ($173.8M reported).
- Texas membership ordinal: #127 of 386.
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Kelly Community's 5300 filing moved
Kelly Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +7.3% from $173.8M (2025Q4) to $186.4M (2026Q1).
- Net-worth ratio shifted -0.49 pp (13.05% → 12.56%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 12.56% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 97/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 97.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.9 pts
- Return on Assets 14.6 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 14.5 pts
Kelly Community health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.56% | +0.45 pp |
| Delinquency Rate | 0.71% | -0.18 pp |
| Return on Assets | 0.47% | -0.15 pp |
| Member Growth | 5.09% | - |
| Loan-to-Share Ratio | 89.18% | +16.98 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $186.4M | - |
| 2025Q4 | $173.8M | 10,514 |
| 2024Q4 | $167.8M | 10,005 |
| 2023Q4 | $165.3M | 9,693 |
Credit Union Details
- Charter Number
- 15467
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Texas
- City
- Tyler
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, Kelly Community runs 3 offices.
| Office | City |
|---|---|
| Administrative Offices (Main Office) | Tyler, TX |
| Grande Branch | Tyler, TX |
| 5th Street Branch | Tyler, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
Cross-state Call Report peers for Kelly Community
Two NCUA Call Report peer sets for Kelly Community, both outside Texas so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($173.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (97/100 here).
Using this data
- Kelly Community ranks #175 of 4,374 nationally on financial health and #16 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Rio Grande Valley Credit Union is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Rio Grande Valley Credit Union
- Rates and health both vary by institution, not just by state -- see how Texas credit unions compare overall before assuming this one is typical. Texas state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Kelly Community financially healthy?
Yes/no aside, the number is 97/100 (Excellent) - Kelly Community's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #175 of 4,374; by total assets it ranks #1,382 of 4,374 nationally (same basis as /rankings/largest); and #116 of 386 within Texas. Above 80 reads excellent, below 50 warrants closer monitoring; a 12.56% net worth ratio and 0.71% delinquency rate are the key drivers.
How does Kelly Community compare to other credit unions?
Five weighted metrics from NCUA filings produce Kelly Community's 97/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Kelly Community?
Kelly Community operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Kelly Community directly for the exact boundaries and application steps.
Is my money safe at Kelly Community?
Federal credit unions like Kelly Community are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Kelly Community's net worth ratio of 12.56% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Kelly Community offer compared to banks?
Credit unions like Kelly Community are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Kelly Community directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.