Overview / Commentary
Keystone Credit Union is headquartered in Tyler and is the 207th largest credit union in the state of Texas. It is also the 2,637th largest credit union in the nation. It was established in 1964 and as of March of 2025, it had grown to 8 employees and 3,073 members at 2 locations. Keystone Credit Union's savings rates are 8X the national average, and it has a B+ health rating.
Field of Membership Restrictions
Keystone Credit Union is open to those who live or work within a 10-mile radius of either credit union location, or is an employee of a credit union sponsor company (such as Tyler Pipe or Tyler Beverages, etc). Family of current credit union members are also eligible to join.
See current membership details
Health
B+
Data as of Q1 2025
Learn why bank health mattersAdditional 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. Keystone Credit Union has a low asset base.
Health Grade Components
| Overall | |
|---|---|
| NCUA # | 67869 |
| Year Chartered | 1964 |
| Employees | 8 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.43% |
| Return on Equity - YTD | 1.62% |
| Annual Interest Income | $465K |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $40.1MM$38.8MM |
| Loans | Q1 2025vs Q1 2024 | $28.9MM$30.5MM |
| Deposits | Q1 2025vs Q1 2024 | $29.2MM$28.1MM |
| Equity Capital | Q1 2025vs Q1 2024 | $10.7MM$10.5MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $619K$645K |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $99K$501K |
| Real Estate Owned | Q1 2025vs Q1 2024 | $0$0 |