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
- CAMELS 65/100
- HEALTH 27.8%
- NW 2.55%
- DELQ 0.27%
- ROA $40.6M
- ASSETS 2,961
- MEM #3,853/4,374
- RANK HI-LAND
- PHOTO 67869
Call Report peers
KEYSTONE in the assets neighbourhood
KEYSTONE's $40.6M assets sit next to HI-LAND ($40.5M) 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.
KEYSTONE 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
65 11th percentile higher than 11% 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
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.
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%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
KEYSTONE: in-state Call Report ranks
- Texas health ordinal: #335 of 386.
- Texas assets place: #205 of 386.
- Texas membership ordinal: #217 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 KEYSTONE's 5300 filing moved
KEYSTONE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.5% from $40.6M (2025Q4) to $40.0M (2026Q1).
- Net-worth ratio shifted +0.65 pp (27.15% → 27.80%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 65.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
KEYSTONE's nationwide photo peers by assets and by health score, excluding Texas charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($40.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (65/100 here).
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
- 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 KEYSTONE financially healthy?
A 27.80% 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,853 of 4,374; by total assets it ranks #2,592 of 4,374 nationally (same basis as /rankings/largest); and #205 of 386 within Texas. 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 27.80% 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.
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.