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Kel-Co Federal Credit Union

Popular Accounts at this Credit Union

0.45%1-year CD12 Month Share Certificate
0.25%SavingsShare Account
0.25%SavingsOther Shares

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 2,341st largest credit union in the nation. It was established in 1955 and as of June of 2017, it had grown to 14 employees and 4,707 members at 1 location. Kel-Co Federal Credit Union has a B 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 relatively low asset base.

Health Grade Components

NCUA #9965
Year Chartered1955
Primary Regulator
Profit Margin
Return on Assets - YTD0.11%
Return on Equity - YTD0.81%
Annual Interest Income$725.00K
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$50.5MM$49.9MM
LoansQ2 2017vs Q2 2016$22.6MM$23.5MM
DepositsQ2 2017vs Q2 2016$43.7MM$43.4MM
Equity CapitalQ2 2017vs Q2 2016$6.6MM$6.5MM
Loan Loss AllowanceQ2 2017vs Q2 2016$356.00K$351.00K
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$721.00K$415.00K
Real Estate OwnedQ2 2017vs Q2 2016$127.00K$0
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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