KELLY COMMUNITY
Charter #15467 · Tyler, TX · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 12.56% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.64% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.85% sits at the 80th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.32% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 63.02% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | KELLY COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $186.44M | 46th pct | 34th pct |
| Members | 10,637 | 35th pct | 31th pct |
| Net worth ratio | 12.56% | 64th pct | 77th pct |
| Return on average assets | 1.64% | 92th pct | 90th pct |
| Net interest margin | 3.81% | 61th pct | 59th pct |
| Cost of funds | 1.85% | 82th pct | 80th pct |
| Loan-to-share | 83.97% | 78th pct | 61th pct |
| Delinquency 60+ days | 0.32% | 24th pct | 20th pct |
| Net charge-off ratio | 0.51% | 65th pct | 72th pct |
| Loan growth YoY | 5.43% | 89th pct | 75th pct |
| Share growth YoY | 11.77% | 98th pct | 93th pct |
| Efficiency ratio | 63.02% | 12th pct | 10th pct |
structural peer set hash: a8a6dd502bd7987920a0aa0e66eb2dc9… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.