State credit union · Tyler, Texas · NCUA charter #67869
Keystone
Health score 65/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 65
- Health / 100
- $40.6M
- Total assets
- 2,961
- Members
- 26.7%
- Net-worth ratio
Keystone - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #67869 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Keystone - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)36
- Earnings (ROA)77
- Member growth5
- Liquidity (loan-to-share)91
Weighted composite: 65/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 26.69%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 26.69% | 30% |
| Delinquency Rate | 2.55% | 25% |
| Return on Assets | 0.27% | 15% |
| Member Growth | -4.55% | 15% |
| Loan-to-Share Ratio | 93.11% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Keystone
Charter #67869, peer group $10M–$50M, a cohort of 1163 similarly-sized institutions: that's Keystone, a state credit union in Tyler, Texas with 2,961 members, $40.6M in total assets, and $27.6M in outstanding loans as of Q4 2025. The five-factor composite scores it 65/100 (Good), helped by a net worth ratio of 26.69% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
2.55% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers. Deposit deployment is captured by the 93.11% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.27% on net income of $108K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -4.55%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Keystone financially healthy?
A 26.69% net worth ratio and a 2.55% delinquency rate feed into Keystone's financial health score of 65/100 (Good), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Keystone compare to other credit unions?
65/100 is Keystone's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 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?
Federal credit unions like Keystone 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. Keystone's net worth ratio of 26.69% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Keystone offer compared to banks?
Credit unions like Keystone 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 Keystone directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.