Kelly Community Federal Credit Union (NCUA charter #15467) is based in Tyler, Texas. Its Q2 2026 call report shows $189.4M in total assets and $161.4M in member shares and deposits and 3 offices.
Kelly Community Federal Credit Union has a TellerScore of 75 out of 100 (strong) based on Q2 2026 data — higher than 66% of its 1,341 credit unions with $100 million – $1 billion. Among 380 credit unions headquartered in Texas, it ranks 169th. Problem-loan coverage contributes the most (90/100, 4.9%); funding & liquidity contributes the least (72/100, 88% loans-to-deposits, 3% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 3 points (78 → 75), mostly because the loan quality component weakened by 18 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 64 |
| Q3 2024 | 67 |
| Q4 2024 | 70 |
| Q1 2025 | 77 |
| Q2 2025 | 78 |
| Q3 2025 | 77 |
| Q4 2025 | 78 |
| Q1 2026 | 83 |
| Q2 2026 | 75 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 11.20% |
| Q3 2024 | 11.78% |
| Q4 2024 | 12.11% |
| Q1 2025 | 11.95% |
| Q2 2025 | 12.52% |
| Q3 2025 | 12.82% |
| Q4 2025 | 13.05% |
| Q1 2026 | 12.56% |
| Q2 2026 | 12.64% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.50% |
| Q3 2024 | 0.55% |
| Q4 2024 | 0.59% |
| Q1 2025 | 0.31% |
| Q2 2025 | 0.26% |
| Q3 2025 | 0.37% |
| Q4 2025 | 0.71% |
| Q1 2026 | 0.32% |
| Q2 2026 | 0.82% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.12% |
| Q3 2024 | 0.09% |
| Q4 2024 | 0.49% |
| Q1 2025 | 0.93% |
| Q2 2025 | 0.97% |
| Q3 2025 | 0.93% |
| Q4 2025 | 1.36% |
| Q1 2026 | 1.59% |
| Q2 2026 | 1.33% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 75 | $189.4M | 12.64% | 0.82% | 1.33% | 87.9% |
| Q1 2026 | 83 | $186.4M | 12.56% | 0.32% | 1.59% | 84.0% |
| Q4 2025 | 78 | $173.8M | 13.05% | 0.71% | 1.36% | 89.2% |
| Q3 2025 | 77 | $167.6M | 12.82% | 0.37% | 0.93% | 89.0% |
| Q2 2025 | 78 | $168.8M | 12.52% | 0.26% | 0.97% | 84.4% |
| Q1 2025 | 77 | $173.4M | 11.95% | 0.31% | 0.93% | 79.4% |
| Q4 2024 | 70 | $167.8M | 12.11% | 0.59% | 0.49% | 82.0% |
| Q3 2024 | 67 | $166.6M | 11.78% | 0.55% | 0.09% | 82.5% |
| Q2 2024 | 64 | $173.2M | 11.20% | 0.50% | -0.12% | 79.3% |
1,341 peers · $100 million – $1 billion
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Government Employees Federal Credit UnionCredit union Austin, TX | 72 out of 100, Strong | $189.4M | 10.7% | 0.83% | vs |
| Lone Star Credit UnionCredit union Dallas, TX | 65 out of 100, Moderate | $188.3M | 8.9% | 0.25% | vs |
| Priority Trust Credit UnionCredit union Houston, TX | 60 out of 100, Moderate | $191.4M | 9.4% | 0.39% | vs |
| First Central Credit UnionCredit union Waco, TX | 76 out of 100, Strong | $191.7M | 16.4% | 1.95% | vs |
| Chemcel Federal Credit UnionCredit union Bishop, TX | 74 out of 100, Strong | $184.0M | 12.1% | 0.75% | vs |
| Members First Credit UnionCredit union Corpus Christi, TX | 87 out of 100, Very strong | $183.2M | 24.0% | 1.04% | vs |
Deposit insurance
Is my money safe at Kelly Community Federal Credit Union?
Yes. Kelly Community Federal Credit Union is a federally insured credit union (NCUA charter #15467). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 3.2% of shares and deposits ($5.1M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.
The net worth ratio is 12.64%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
3 locations
Branches
Kelly Community Federal Credit Union lists 3 offices in 1 city. Most locations:
- Tyler, TX (3)
HMDA 2025
Mortgage lending
In 2025, Kelly Community Federal Credit Union reported 119 home-loan applications under HMDA (LEI 549300HQ25HXXXOWJ140): 62 originated ($16,170,000 total), 32 denied, and 25 withdrawn or closed by the applicant. Its denial rate on decided applications was 34.0%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Kelly Community Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 15467
- RSSD ID
- 457882
- Primary regulator
- NCUA
- Established
- 1963
- Headquarters
- 2105 W Grande Blvd. Bldg B, Tyler, TX 75703
- Employees
- 40
Quick answers
Kelly Community Federal Credit Union: common questions
Is Kelly Community Federal Credit Union NCUA insured?
Yes. Kelly Community Federal Credit Union is a federally insured credit union (NCUA charter #15467). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Kelly Community Federal Credit Union's TellerScore?
75 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Kelly Community Federal Credit Union have?
3 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Tyler
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First State Bank of Ben Wheeler, TexasBank Ben Wheeler, TX | 95 out of 100, Very strong | $185.1M | 15.7% | 0.07% | vs |
| East Texas Professional Credit UnionCredit union Longview, TX | 90 out of 100, Very strong | $1.4B | 19.4% | 0.41% | vs |
| Austin Bank, Texas National AssociationBank Jacksonville, TX | 88 out of 100, Very strong | $3.3B | 15.1% | 0.60% | vs |
| The First National Bank of WinnsboroBank Winnsboro, TX | 86 out of 100, Very strong | $158.2M | 22.7% | 1.10% | vs |
| Citizens 1st BankBank Tyler, TX | 83 out of 100, Strong | $811.0M | 20.5% | 0.53% | vs |
| Highway Employees Credit UnionCredit union Tyler, TX | 81 out of 100, Strong | $1.8M | 29.2% | 0.04% | vs |