Side-by-side · Q2 2026 data
Kelly Community Federal Credit Union vs Lone Star Credit Union
Metric by metric
| Measure | Kelly Community Federal Credit Union | Lone Star Credit Union |
|---|---|---|
| TellerScore | 75 (stronger) | 65 |
| Capital cushion | 76 (stronger) | 39 |
| Loan quality | 73 | 92 (stronger) |
| Earnings | 73 (stronger) | 39 |
| Funding & liquidity | 72 | 88 (stronger) |
| Problem-loan coverage | 90 | 96 (stronger) |
| Peer percentile | 66th | 34th |
| Total assets | $189.4M | $188.3M |
| Deposits / shares | $161.4M | $169.8M |
| Capital ratio | 12.64% (stronger) | 8.93% |
| Problem loans | 0.82% | 0.25% (stronger) |
| Net charge-offs | 0.49% (stronger) | 0.80% |
| Return on assets | 1.33% (stronger) | 0.49% |
| Loans ÷ deposits | 87.9% | 72.0% (stronger) |
| Uninsured deposits | 3.2% (stronger) | 7.9% |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 34.0% | — |
Kelly Community Federal Credit Union has the higher TellerScore (75 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Kelly Community Federal Credit Union leads on 5 and Lone Star Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.