Keystone Credit Union

Keystone Credit Union is headquartered in West Chester and is the 67^th largest credit union in the state of Pennsylvania. It is also the 1,662^nd largest credit union in the nation. It was established in 1939 and as of December of 2011, it had grown to 24 employees and 7,737 members. Keystone Credit Union has a 4-star health rating.

Keystone Credit Union Checking Account Rates

Keystone Credit Union Savings Account Rates

Keystone Credit Union Money Market Rates

Keystone Credit Union CD Rates

Keystone Credit Union IRA Rates

Data for Q4 2011

Institution Statistics KEYSTONE NCUA # 24562 BankRate Report View Year Chartered 1939 Employees 24 Primary Regulator Assets and Liabilities Assets $79.57 million Loans $41.58 million Deposits $72.76 million Equity Capital $6.30 million Loan Loss Allowance $648,000 Unbacked Noncurrent Loans $1.52 million Historic Data - December 2010 Assets $74.77 million Equity Capital $6.42 million Loan Loss Allowance $613,000 Unbacked Noncurrent Loans $1.38 million Profit Margin - Quarterly Net Interest Margin 6.09% Return on Assets -0.22% Return on Equity -2.82% Interest Income $3.16 million Non-Interest Income $828,000

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 Keystone Credit Union had $1.52 million in non-current loans and owned real-estate with $6.95 million in equity and loan loss allowances on hand to cover it. This gives Keystone Credit Union a Texas Ratio of 21.88% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Keystone Credit Union held steady from 19.66% as of December 31, 2010 to 21.88% as of December 31, 2011, resulting in a negative change of 11.34%. This indicates that the balance sheet and financial strength for Keystone Credit Union has held steady in recent periods. Deposit Growth In the past year, Keystone Credit Union has increased its total deposits by $4.98 million, resulting in 7.35% 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 Keystone Credit Union has shown is excellent. 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. Keystone Credit Union has $79.57 million in assets with $6.95 million in equity, resulting in a capitalization level of 8.73%, which is average.

No reviews have been left for this bank yet. Be the first to review.