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Overview / Commentary
321 Greene Street
Cumberland, MD 21502

Kel-Co Federal Credit Union is headquartered in Cumberland and is the 41st largest credit union in the state of Maryland. It is also the 2,358th largest credit union in the nation. It was established in 1955 and as of December of 2017, it had grown to 14 employees and 4,607 members at 1 location. Kel-Co Federal Credit Union has a C+ health rating.

Field of Membership Restrictions

Membership is open to residents of the "Tri-State area" (Maryland, Pennsylvania and West Virginia around Cumberland, Maryland).
See current membership details


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Kel-Co Federal Credit Union has a low asset base.

Health Grade Components

NCUA #9965
Year Chartered1955
Primary Regulator
Profit Margin
Return on Assets - YTD-0.15%
Return on Equity - YTD-1.09%
Annual Interest Income$1.5MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$48.3MM$49.6MM
LoansQ4 2017vs Q4 2016$22.5MM$23.4MM
DepositsQ4 2017vs Q4 2016$41.7MM$42.9MM
Equity CapitalQ4 2017vs Q4 2016$6.5MM$6.7MM
Loan Loss AllowanceQ4 2017vs Q4 2016$546.00K$339.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$916.00K$162.00K
Real Estate OwnedQ4 2017vs Q4 2016$0$34.00K
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Kel-Co Federal Credit Union Savings Account Rates

1.26%--Share IRA
0.25%--Share Account
0.25%--Other Shares
0.25%--Christmas Club

Kel-Co Federal Credit Union CD Rates

0.45%--12 Month Share Certificate
0.40%--6 Month Share Certificate

Kel-Co Federal Credit Union Locations
Branch Office321 Greene StCumberland, MD 21502-2871