State credit union · Tyler, Texas · NCUA charter #67869
KEYSTONE
Health score 65/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 65
- Health / 100
- $40.6M
- Total assets
- 2,961
- Members
- 27.8%
- Net-worth ratio
KEYSTONE scores 65/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $40.6M; members 2,961; net-worth ratio 27.80%; health rank #3,853 of 4,374; healthier than 11th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,853 of 4,374 health · 2025Q4KEYSTONE · health 65/100 · $40.6M · 2025Q4
Call Report peers
KEYSTONE in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
KEYSTONE vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); KEYSTONE sits in 65-69 with 275 others.
65 11th percentile higher than 11% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where KEYSTONE diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 93.11% here, 59.80% peer average (+33.31 pp).
- Widest shortfall vs peers is Delinquency Rate: +1.40 pp (2.55% vs 1.15%).
KEYSTONE: in-state Call Report ranks
- Texas health ordinal: #335 of 386.
- Texas assets place: #205 of 386.
- Texas membership ordinal: #217 of 386.
- One place up in Texas, South Texas (#334) scores 66/100, 1 point higher; one place down, Coastal Bend P O (#336) ties at 65/100.
How KEYSTONE's 5300 filing moved
KEYSTONE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.5% from $40.6M (2025Q4) to $40.0M (2026Q1).
- Net-worth ratio shifted +0.65 pp (27.15% → 27.80%).
At 27.80%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 65/100 score is built
KEYSTONE gives up 35 points in total. Delinquency Rate costs the most, 15.9 of its 25; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 9.1 pts
- Return on Assets 11.5 pts
- Member Growth 0.8 pts
- Loan-to-Share Ratio 13.6 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 27.80% | +12.94 pp |
| Delinquency Rate | 2.55% | +1.40 pp |
| Return on Assets | 0.27% | -0.44 pp |
| Member Growth | -4.55% | - |
| Loan-to-Share Ratio | 93.11% | +33.31 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $40.0M | - |
| 2025Q4 | $40.6M | 2,961 |
| 2024Q4 | $39.7M | 3,102 |
| 2023Q4 | $37.9M | 3,243 |
Credit Union Details
- Charter Number
- 67869
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Texas
- City
- Tyler
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for KEYSTONE.
| Office | City |
|---|---|
| Corporate Office (Main Office) | Tyler, TX |
| Branch - 1550 Rice Rd | 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.
KEYSTONE nationwide neighbourhoods
Similar total assets
Similar health score
Using this data
- KEYSTONE ranks #3,853 of 4,374 nationally on financial health and #335 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- MESQUITE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with MESQUITE
Frequently Asked Questions
Is KEYSTONE financially healthy?
On its 2025Q4 NCUA 5300 filing, KEYSTONE scores 65/100 (Good), with a 27.80% net worth ratio and 2.55% of loans delinquent. It ranks #3,853 of 4,374 nationally on health and #335 of 386 in Texas.
How does KEYSTONE compare to other credit unions?
KEYSTONE scores 65/100, higher than 11% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (93.11% vs 59.80%). Its widest shortfall is delinquency rate (2.55% vs 1.15%).
How can I join KEYSTONE?
Membership eligibility for KEYSTONE depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact KEYSTONE directly for current membership requirements and application steps.
Is my money safe at KEYSTONE?
KEYSTONE is a state-chartered credit union; its shares are federally 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. KEYSTONE's net worth ratio of 27.80% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.