KEYSTONE
Charter #67869 · Tyler, TX · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 27.80% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.96% sits at the 23rd percentile of structural peers — worth a closer look.
- Cost of funds of 2.23% sits at the 84th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 2.34% sits at the 85th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.05% ranks in the 7th 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 | KEYSTONE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $39.96M | 83th pct | 48th pct |
| Members | 2,931 | 73th pct | 62th pct |
| Net worth ratio | 27.80% | 97th pct | 92th pct |
| Return on average assets | 0.94% | 66th pct | 54th pct |
| Net interest margin | 2.96% | 15th pct | 23th pct |
| Cost of funds | 2.23% | 93th pct | 84th pct |
| Loan-to-share | 92.21% | 95th pct | 61th pct |
| Delinquency 60+ days | 2.34% | 88th pct | 85th pct |
| Net charge-off ratio | -0.05% | 13th pct | 7th pct |
| Loan growth YoY | -7.52% | 16th pct | 7th pct |
| Share growth YoY | -2.29% | 11th pct | 10th pct |
| Efficiency ratio | 69.19% | 25th pct | 38th pct |
structural peer set hash: 896e80bce8f4f3ca24ffd6d9fd705e7c… (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.