# KELLY COMMUNITY
Tyler, TX · NCUA charter 15467 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/kelly-community-15467

Who the members are: federal charter, community charter, organized 1963, low-income designated. 10,637 members of 233,479 potential (4.6% of the field); checking penetration 72% (share draft accounts per 100 members); loans per 100 members 53.

**Verdict on the desk:** this could be *fortress*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $186.4M |
| Members | 10,637 (4.7% YoY) |
| Full-time staff | 37 |
| Net worth | $23.4M |
| Net worth ratio | 12.6% (p61 of band) |
| ROA (annualized) | 1.59% (p90 of band) |
| Total delinquency | 0.32% (p24 of band) |
| Net charge-offs (annualized) | 0.50% (p67 of band) |
| Loans / shares | 84% (p80 of band) |
| Cash / assets | 16.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.68% (p50 of band) |
| Operating expense / assets | 3.43% (p42 of band) |
| Vehicles % of loans | 38% (p53 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 0.70% (p58 of band) |
| Vehicle NCO | 0.78% (p65 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 54% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 42% |
| Certificates % of member funds | 40% |
| Average share balance | $7,166 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 53% |
| Loans granted per 100 members, annualized | 18% |
| Average loan balance | $24,223 |
| Loans granted, annualized | $55.7M |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | expense trap |  |
| 2018-06 | 1 | delinquency rising | expense trap |
| 2018-09 | 0 |  | delinquency rising |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | delinquency rising |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 0 |  | delinquency rising |
| 2020-06 | 1 | net worth falling |  |
| 2020-09 | 1 | margin squeeze | net worth falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | net worth falling |  |
| 2021-06 | 1 |  | net worth falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | margin squeeze |
| 2022-03 | 1 | delinquency rising |  |
| 2022-06 | 0 |  | delinquency rising |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 1 | delinquency rising |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 2 | net worth falling |  |
| 2024-03 | 2 | losing money | delinquency rising |
| 2024-06 | 2 |  |  |
| 2024-09 | 1 | delinquency rising | net worth falling, losing money |
| 2024-12 | 0 |  | delinquency rising |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2015-02-20 [Alliance Federal Credit Union hires New President and CEO - KCBD](https://news.google.com/rss/articles/CBMimgFBVV95cUxOZ2RyVDlQelVER3laaFpQaDUyVFNQUUdQTExwYTctelUwM1JwUkpNVEtJXzhvQTdqS3BfQ01yYzBvdnBLWEx4WVB4QXNfYmI1SHJWV1B0eDlCby1KWG9DMWZERkVTOGkxM1Frd203UGk5MUFDMkMzWlJKS2x6UkVJVlhCYl9mV3dyZnBFelJicjhEU0l1UW9DZGlB0gGsAUFVX3lxTE44bm50SnVBVXotTUl6MTE5R0RwOUlsUFRzVWNKYnctVE1DNW1razl5UGRjZ2Z1d2NOYmZrYXVfMXp1eDd2N3A0Vm1KeU5idHpuX1g1U1R4dlU0V0R1eWJjUURDMmQ1UDV0dG1qM2N5bWhSMnktcC1YdWQwdFBBekttbG1fa2Z5M0dLVUlya3pXalI5aTl5RTF5eThBeWd5VkZfbk10VnNNbkJpSEU?oc=5) · KCBD
- 2025-05-30 [Is your corporate social responsibility program customizable? - CUInsight](https://news.google.com/rss/articles/CBMikAFBVV95cUxQS0xwaXRJa1h5NW5HODdqX0o2WmFhU05VOEo5UGNnLVN3SUlESksyZDBxYTNSMzFxa1lUZy1DMjU0aGZRNW5LVkZXVl8tT2dCSGV3TWpfLXJjN3ctZ2RuV0FKanhqZVhscGJVVDVLaldpZi1Eb2VkZERQejhkTlYtU05jYnhqS2dhZ280OGZkdjk?oc=5) · CUInsight
- 2022-11-10 [Second Chance Checking Accounts By State - Lee News Central](https://news.google.com/rss/articles/CBMisAFBVV95cUxNOW82MnUyWmVEZUJGbTJMUkhhOTI3eDFWLUxEZnIteV9BVmlnRTZLYzZJY29TeWRKZ0p4NHhBbVUzejVscnRWTG5BcW5Pc2tVQU9fMG04RFpLMGNMT05UaTlMTTRWVlB6Y1NRNkt6dTk0cWU4dVB0VWZHWC1MY0tBanRsWjZlNjJ2RGhrM21kd3M4ek5DLXgwZzg5YWVzUkRzeUpZMExhUjRCWER5MnFWOA?oc=5) · Lee News Central
- 2025-03-22 [BBB to Host Free Secure Your ID Document Shredding Event in Tyler - The Gilmer Mirror](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOb1pIZXJSUkd6Q09MWklycTN5WWljcjdMdFR3Uk9zMTZ1LWNOWVByY0R5eTlBV3lkNEpHWUs4bHlLd3pyNlJaajVwbEpSNVdJeGRGS1pvMXRmMFYwTDMxUG9pdHFCaFlCdG1Vc29XT0h2aGVWbjJPNTRmeUZxVy1GMDgtQ2o2QmRpMWJoMDlCX2xXYlRYNVVXVkpmTldWbHUwb2x6TTZjaHAwUQ?oc=5) · The Gilmer Mirror
- 2026-08-27 [Local businesses spell out success at PAVE’s 35th annual Corporate Spelling Bee - Tyler Morning Telegraph](https://news.google.com/rss/articles/CBMiswFBVV95cUxQdEpBN29aUkp2RXI4WEZFbVFkRDZYSW8walNGeG9xSFRoUXZnMVpqX0FQWllmUUVQNU9sVmlITmwtMHdnQ2lKeWtLN29xWjNDbFVqRzdaa2w2N2w2QlBMbmNPYWFTbjZmQmhLVkVNa29ZZUVDUE1INGFVVHBkaW0zSmN3UUp1Ym04ZGlzbXZLd1JyNEFaTy1CTi00cUNpWl9NV1VxcFNGa3FzcFRPcFF5aUk2TQ?oc=5) · Tyler Morning Telegraph
- 2026-08-25 [Genesis Group wins 35th Corporate Spelling Bee in Tyler - AOL.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxOaEVaWUxpTGg1cG5qU3ZMRnFGbDNTdkZpbngwbnhKNUNmQW9YQXVrbUQ0YzhOSkNkOXF6T0VRaFdXQlBUUU0yanNvVHdFeUZsUDFlRTRtU0gtUThQT3V3Y1BRY29TUThNdDFseU5qclhtaTZ0Ulc1SjJfTHVZV0RQTlBUaw?oc=5) · AOL.com
- 2014-12-10 [1 arrested in Smith County shooting - KLTV.com](https://news.google.com/rss/articles/CBMifEFVX3lxTE5LM3htY1NPTm9TdkE0TnRhS0JsX0NRbEQ3d0l5ajZKUkljYWZNbkFWT29fRUdHT1JNS0ZWYkwxVWE1V29taHQxYWw3bUZyNHpET1NqdzhLTjFMZWF4Y09Jc0RFalJ2Z0tPUHd3YnI4NURKbUtkMFJNd0xFUUnSAY8BQVVfeXFMTWxpRHN5ZWtpS2I4NWV1a1ZMcFYzdURpRHF0dGRzYXVBYWV6T2dHUm15bEk3RVQ5N1hpLUxvTG0xSmhpUWZnUWo0UDhRal9jdXE0SGJYXzhZY2pycEhpc3JzYW5qelRGUVFFanZpVmF3NUpnNkxya0NlQlhLeS0zTzYxRXkxYVNrY21EbUtiQTg?oc=5) · KLTV.com
- 2024-03-28 [BBB to host free document shredding event in Tyler - Tyler Morning Telegraph](https://news.google.com/rss/articles/CBMijgFBVV95cUxQTlRKU1ZLQW9BODQxLWlncUFKQzBCbThIOUhVZmpwMElvM21teUs3X0Z4SFE2ZmxaWWlUa3FEX2JCbmUyb1BjZDV2UmlXT2JlSU9Gdmd6MHVMLUl1RmdwcXpRNUZyZ0c2Yk90TUY3YzFoYXBQTDNxODRKNFcxRmUxd3J1T25VX21jRThkbDJn?oc=5) · Tyler Morning Telegraph

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=15467 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/43.json (key "15467", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=15467
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide