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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 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 September of 2016, it had grown to 14 employees and 4,843 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 low asset base.

Health Grade Components

NCUA #9965
Year Chartered1955
Primary Regulator
Profit Margin
Return on Assets - YTD0.7%
Return on Equity - YTD5.28%
Annual Interest Income$1.1MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$49.3MM$50.6MM
LoansQ3 2016vs Q3 2015$23.9MM$24.1MM
DepositsQ3 2016vs Q3 2015$42.6MM$44.2MM
Equity CapitalQ3 2016vs Q3 2015$6.6MM$6.3MM
Loan Loss AllowanceQ3 2016vs Q3 2015$343.00K$391.00K
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$318.00K$632.00K
Real Estate OwnedQ3 2016vs Q3 2015$0$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