TellerScore

Keystone Credit Union is a federally insured state-chartered credit union headquartered in Tyler, Texas, in business for about 62 years. At the end of Q2 2026 it reported $40.2M in total assets and $29.1M in member shares and deposits, with 1 office.

Based on its Q2 2026 filing, Keystone Credit Union scores 80/100, which we describe as strong. That is higher than 65% of 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 121st. Its strongest component is capital cushion (100/100; 27.38%), and its lowest is earnings (55/100; 0.87%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 27.38%
Loan quality77/100
Loans 60+ days delinquent ÷ total loans: 0.68%
Earnings55/100
Return on assets (annualized): 0.87%
Funding & liquidity65/100
Loans ÷ shares: 95.3% · 5.1% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.71%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (79 → 80).

TellerScore
617180Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202473
Q3 202474
Q4 202475
Q1 202579
Q2 202579
Q3 202564
Q4 202561
Q1 202666
Q2 202680
Net worth ratio
7.00%17.52%28.03%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202428.03%
Q3 202427.66%
Q4 202427.49%
Q1 202527.34%
Q2 202527.34%
Q3 202527.28%
Q4 202527.15%
Q1 202627.80%
Q2 202627.38%
Delinquent loans (60+ days)
0.34%1.44%2.55%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.72%
Q3 20240.70%
Q4 20240.58%
Q1 20250.34%
Q2 20250.40%
Q3 20252.11%
Q4 20252.55%
Q1 20262.34%
Q2 20260.68%
Return on assets
0.27%0.61%0.95%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.28%
Q3 20240.32%
Q4 20240.27%
Q1 20250.43%
Q2 20250.49%
Q3 20250.46%
Q4 20250.52%
Q1 20260.95%
Q2 20260.87%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202680$40.2M27.38%0.68%0.87%95.3%
Q1 202666$40.0M27.80%2.34%0.95%92.2%
Q4 202561$40.6M27.15%2.55%0.52%93.1%
Q3 202564$40.5M27.28%2.11%0.46%97.4%
Q2 202579$40.3M27.34%0.40%0.49%98.6%
Q1 202579$40.1M27.34%0.34%0.43%98.9%
Q4 202475$39.7M27.49%0.58%0.27%100.2%
Q3 202474$39.8M27.66%0.70%0.32%103.8%
Q2 202473$39.1M28.03%0.72%0.28%106.4%

2,479 peers · Under $100 million in assets

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).

Capital ratio27.38%
92nd
Problem loans0.68%
51st
Net charge-offs0.03%
65th
Return on assets0.87%
61st
Loans to deposits95.3%
5th
Uninsured deposits5.1%
21st
Loan-loss reserves0.00%
37th
Texas ratio1.7%
56th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Caprock Federal Credit UnionCredit union Lamesa, TX56 out of 100, Moderate$40.4M11.5%1.43%vs
San Angelo Federal Credit UnionCredit union San Angelo, TX84 out of 100, Strong$40.6M12.9%0.73%vs
Mesquite Credit UnionCredit union Mesquite, TX78 out of 100, Strong$40.8M11.0%0.03%vs
Old Ocean Federal Credit UnionCredit union Sweeny, TX98 out of 100, Very strong$41.6M20.5%0.24%vs
Members Financial Federal Credit UnionCredit union Midland, TX64 out of 100, Moderate$38.6M8.8%0.16%vs
Austin Federal Credit UnionCredit union Austin, TX58 out of 100, Moderate$38.4M9.3%1.40%vs

Deposit insurance

Is my money safe at Keystone Credit Union?

Yes. Keystone Credit Union is a federally insured credit union (NCUA charter #67869). 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 5.1% of shares and deposits ($1.5M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 27.38%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Keystone Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Keystone Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67869
RSSD ID
962199
Primary regulator
State + NCUA
Established
1964
Headquarters
P.O Box 4970, Tyler, TX 75712
Employees
9

Quick answers

Keystone Credit Union: common questions

Is Keystone Credit Union NCUA insured?

Yes. Keystone Credit Union is a federally insured credit union (NCUA charter #67869). 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 Keystone Credit Union's TellerScore?

80 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 Keystone Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Tyler

InstitutionScoreAssetsCapitalProblem loansCompare
First State Bank of Ben Wheeler, TexasBank Ben Wheeler, TX95 out of 100, Very strong$185.1M15.7%0.07%vs
East Texas Professional Credit UnionCredit union Longview, TX90 out of 100, Very strong$1.4B19.4%0.41%vs
Austin Bank, Texas National AssociationBank Jacksonville, TX88 out of 100, Very strong$3.3B15.1%0.60%vs
Citizens 1st BankBank Tyler, TX83 out of 100, Strong$811.0M20.5%0.53%vs
Highway Employees Credit UnionCredit union Tyler, TX81 out of 100, Strong$1.8M29.2%0.04%vs
Altra Federal Credit UnionCredit union Onalaska, WI78 out of 100, Strong$3.1B12.7%0.46%vs