Kel-Co Federal Credit Union


Overview / Commentary
301-777-8100
321 Greene Street
Cumberland, MD 21502

Kel-Co Federal Credit Union is headquartered in Cumberland and is the 43rd largest credit union in the state of Maryland. It is also the 2,346th largest credit union in the nation. It was established in 1955 and as of March of 2019, it had grown to 14 employees and 4,387 members at 1 location. Kel-Co Federal Credit Union's CD rates are 40% higher than the national average, and it 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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Health
B+
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

Overall
NCUA #9965
Year Chartered1955
Employees14
Primary Regulator
Profit Margin
Return on Assets - YTD0.7%
Return on Equity - YTD5.01%
Annual Interest Income$407.00K
Assets and Liabilities
AssetsQ1 2019vs Q1 2018$49.4MM$49.8MM
LoansQ1 2019vs Q1 2018$21.2MM$22.4MM
DepositsQ1 2019vs Q1 2018$42.6MM$43.2MM
Equity CapitalQ1 2019vs Q1 2018$6.8MM$6.5MM
Loan Loss AllowanceQ1 2019vs Q1 2018$243.00K$546.00K
Unbacked Noncurrent LoansQ1 2019vs Q1 2018$6.00K$1.2MM
Real Estate OwnedQ1 2019vs Q1 2018$0$0
Rates
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Kel-Co Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.26%--Share IRA
0.25%--Share Account
0.25%--Other Shares
0.25%--Christmas Club

Kel-Co Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.26%--12 Month Share Certificate
1.00%--6 Month Share Certificate
Locations


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

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