Kelly Community Credit Union

Kelly Community Credit Union is headquartered in Tyler and is the 121^st largest credit union in the state of Texas. It is also the 1,627^th largest credit union in the nation. It was established in 1963 and as of December of 2011, it had grown to 33 employees and 7,284 members. Kelly Community Credit Union's savings rates are 15% higher than the national average, and it has a 4-star health rating.

Kelly Community Credit Union Checking Account Rates

Kelly Community Credit Union Savings Account Rates

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Kelly Community Credit Union IRA Rates

Data for Q4 2011

Institution Statistics KELLY COMMUNITY NCUA # 15467 BankRate Report View Year Chartered 1963 Employees 33 Primary Regulator Assets and Liabilities Assets $81.50 million Loans $55.47 million Deposits $73.23 million Equity Capital $7.74 million Loan Loss Allowance $256,000 Unbacked Noncurrent Loans $105,000 Real Estate Owned $112,000 Historic Data - December 2010 Assets $82.13 million Equity Capital $7.39 million Loan Loss Allowance $526,000 Unbacked Noncurrent Loans $393,000 Real Estate Owned $253,000 Profit Margin - Quarterly Net Interest Margin 5.29% Return on Assets 0.43% Return on Equity 4.51% Interest Income $3.77 million Non-Interest Income $593,000

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Kelly Community Credit Union had $217,000 in non-current loans and owned real-estate with $7.99 million in equity and loan loss allowances on hand to cover it. This gives Kelly Community Credit Union a Texas Ratio of 2.72% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Kelly Community Credit Union decreased significantly from 8.16% as of December 31, 2010 to 2.72% as of December 31, 2011, resulting in a positive change of 66.72%.This indicates that the balance sheet and financial strength for Kelly Community Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Kelly Community Credit Union has decreased its total deposits by -$1.02 million, resulting in -1.38% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Kelly Community Credit Union has shown is below average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Kelly Community Credit Union has $81.5 million in assets with $7.99 million in equity, resulting in a capitalization level of 9.81%, which is average.

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