# KEYSTONE
Tyler, TX · NCUA charter 67869 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/keystone-67869

Who the members are: state charter, organized 1964. 2,931 members of 11,700 potential (25.1% of the field); checking penetration 17% (share draft accounts per 100 members); loans per 100 members 35.

**Verdict on the desk:** this could be *ordinary*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $40.0M |
| Members | 2,931 (-4.6% YoY) |
| Full-time staff | 7 |
| Net worth | $11.1M |
| Net worth ratio | 27.8% (p91 of band) |
| ROA (annualized) | 0.95% (p68 of band) |
| Total delinquency | 2.34% (p82 of band) |
| Net charge-offs (annualized) | -0.05% (p14 of band) |
| Loans / shares | 92% (p93 of band) |
| Cash / assets | 31.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.99% (p19 of band) |
| Operating expense / assets | 2.30% (p16 of band) |
| Vehicles % of loans | 14% (p9 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 3.13% (p88 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 80% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 86% |
| Certificates % of member funds | 0% |
| Average share balance | $7,711 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 35% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $26,013 |
| Loans granted, annualized | $10.3M |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | losing money, delinquency 2x band |  |
| 2016-06 | 1 |  | delinquency 2x band |
| 2016-09 | 2 | delinquency 2x band |  |
| 2016-12 | 2 | net worth falling | delinquency 2x band |
| 2017-03 | 2 | members leaving | net worth falling |
| 2017-06 | 1 |  | members leaving |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 3 | delinquency 2x band, delinquency rising, loans>95% of shares | losing money |
| 2018-06 | 3 | losing money, assets shrinking | delinquency 2x band, delinquency rising |
| 2018-09 | 2 |  | assets shrinking |
| 2018-12 | 1 |  | losing money |
| 2019-03 | 2 | delinquency 2x band |  |
| 2019-06 | 3 | delinquency rising |  |
| 2019-09 | 4 | members leaving |  |
| 2019-12 | 5 | assets shrinking |  |
| 2020-03 | 2 |  | delinquency 2x band, delinquency rising, assets shrinking |
| 2020-06 | 4 | net worth falling, delinquency 2x band |  |
| 2020-09 | 4 | loan book shrinking | net worth falling |
| 2020-12 | 4 |  |  |
| 2021-03 | 3 | margin squeeze | delinquency 2x band, loan book shrinking |
| 2021-06 | 3 | net worth falling | margin squeeze |
| 2021-09 | 1 |  | loans>95% of shares, net worth falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 | loan book shrinking | members leaving |
| 2022-09 | 1 | loans>95% of shares | loan book shrinking |
| 2022-12 | 3 | delinquency 2x band, delinquency rising |  |
| 2023-03 | 3 | losing money | delinquency 2x band |
| 2023-06 | 6 | delinquency 2x band, assets shrinking, members leaving |  |
| 2023-09 | 4 |  | delinquency 2x band, members leaving |
| 2023-12 | 4 | net worth falling | delinquency rising |
| 2024-03 | 4 | delinquency 2x band, delinquency rising | losing money, assets shrinking |
| 2024-06 | 3 | members leaving | delinquency 2x band, delinquency rising |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 5 | delinquency 2x band, delinquency rising |  |
| 2025-12 | 4 |  | loans>95% of shares |
| 2026-03 | 3 |  | net worth falling |

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

- 2026-07-22 [Members Trust of the Southwest Federal Credit Union Launches Mahalo’s Thoughtful Banking® Platform - Business Wire](https://news.google.com/rss/articles/CBMi6AFBVV95cUxQbEhsMVIyOFYwX1llSXdZRUluQmFIZk1aTTh4UlNyVkdoVlBJRjZjVEJDWlpSejZWaWxmd0lZcXRRR1BfOHVlY2hOU0RpekZnUXVFOFBWeXVmcDdZRFY3MWc0RmlGZ3VzMUMzNC16Vkx3YW5mYTlhZ0tyR3d1U2pjaWQ0SHJtd2ZVVTE1T1VQWWZCdHZtZ1V1bGlNWVBoUnZzOVl6dDhUdUZDalJwT3RJM1h5WkQ0bWloZWh0eEJITV8zSTR0UTVpbzBWQjl0ZW4yV2ZLUlpXYlpNSERhbWFXYlNlZVZZcGVM?oc=5) · Business Wire
- 2025-10-23 [Austin-based Keystone Bank to be bought in $123M deal - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxQZm0zakpTalRoV1dhc28tN2RKNEFCTHNiWWVWeGRLbS1DSWVnaVlveEFXbkc3czhzOUhHUUN1SzhzdTc2LWRxVVVTYmZmcmtmZjliV3d1blkzNjRFdVdyTV91VjQwLW5VSU9CbUFJUGJDa1ZlNTNyRXQ2X3ltTjhaUTZfa1EwWURxV2tpdVhKSEFodngzR09QN1ZSaE5mT3podFRzZWZRaw?oc=5) · The Business Journals
- 2025-03-26 [Corelation’s Keystone core system reaches 50 users - FinTech Futures](https://news.google.com/rss/articles/CBMijAFBVV95cUxNWVJXaFp6WnlxR0hxb3A2ZTd6b0M2a1c2TkRwZjdHOHVxQTdXNUlPdmgxR0Iyay1LQzRMbi15WUlHWWdFanJnZEozdUt1OURGb0JTY3l3M3h2YlpfWVFSNXU0TEUtY1lOTmd0dExJWktWTThoZU5XVWtjbFhHeDFrX3BPbXdDai1qVmdQMQ?oc=5) · FinTech Futures
- 2026-05-06 [PrimeWay Federal Credit Union Selects Mahalo Banking to Accelerate Digital Innovation and Strengthen Security - Business Wire](https://news.google.com/rss/articles/CBMi-gFBVV95cUxOUFd5UEFlQUE5eE1rbWxIWC1KUV9mMVF5ckNMcWhtM3g4X2xhMTRRM0xuUnEwTmZhZHdXMF9zUk1feUpHemFvc3UwbS1zOFpNZW55MGVtQ2ZoY0ZuSC16cGxfNUxHUGQ2ZjZncWhsaE11WUYwX1Fqb25DUHZhRVFHNUdrUF9vUDdKNEN4Wkh1RExILTd3ck15RW12NnppeXhkMHUtZC1tWk1YMjZla1Bid1dTOGRnUVRUZnZpNThxM05LQXp3bjZCei1ydGloZW9LOU04dkU1RjFpbTk3NnJsNlVmLTFqV19FbVlydWhRRnQ4Z2d6Sk5XZHB3?oc=5) · Business Wire
- 2024-04-05 [Jack Click, CEO, announces retirement from Associated Credit Union of Texas - CUInsight](https://news.google.com/rss/articles/CBMitAFBVV95cUxNT3Y1bjEzaFJiWDNDblNzcDVleXVCVTdWbXZrY1dYbkJUZ2tieFgxaVdaWnhoMEFnY181Ulp2N0R3bnZLbExkS3NibHp1SFQ2ZFlmck1nRVg4bk5yLWRiSGVvMkItZXlieFlLZG1DaGNFd01IakJBLUNBaDY4YURoUm1SWld1TU42NUhGMGg0emFtZDU1cXlGdk9CcnRjcmZ0aWV6NUd4TG1yREVMSXZmaXFuVjE?oc=5) · CUInsight
- 2023-05-04 [The view from Texas on the future of community banks - Axios](https://news.google.com/rss/articles/CBMiggFBVV95cUxOVnkwUElaWFUwRl9IejFLb2RUM2ZLRG4tX0pMcjY5RWl6aDBKSU1NWUZsdFIwM0VleUJrZTNQMzJTbTQ1RVRoZ2ROUUszcGc5TmFsVGgwN20xYm80UmpmeWp1elVrLXhDU1h2TEc4TlNoN1RCRG1mSTViMzNIaXdmQkdB?oc=5) · Axios
- 2019-05-14 [Keystone in Texas raises $31M, buys a branch - American Banker](https://news.google.com/rss/articles/CBMihAFBVV95cUxQbDVQYjd3MmF4bUJhcDcwcGJybnlvWEhzcG5Bb1pYbTdRc2YzczhSTW1SakQtQ0FITEt3NjFMM09vWC14WFBhYXNtSHRKeF9URmJnck1UZ2VCRHpWRWdQbHJrZDFPZEZDYTI4SEZUbVhyaDAzclVmMVc4dUh6QnhHek16NWY?oc=5) · American Banker
- 2025-10-14 [Corpus Christi woman back in custody, faces over 20 charges in alleged elder exploitation scheme - KRIS 6 News Corpus Christi](https://news.google.com/rss/articles/CBMijAJBVV95cUxOOVpSc1Iya3IweFBVZWNxaFp1MkxUSHdnVWNvTnp1c1pId0ktdWhscWJ6am1FSUctS1pLQXpzS09HQW92czFPSG9ieVZGWXN6bEYtTGhQRlNyWFg5d3VKcVFYOGFNODNBamdQbGxSZ0NWVzBGSV9pcE9HUFA3OEN6NGV6SGFEemNMMTc1dHEyUHNqNDhna0Q1WXd3eHVTQk5NUmxEbHpCQmtleXJuZUFUelZiTzltLTRscDA1OFZ6N2RITjZoVm9XWHJ1NGFrUmdiS1c5QzlfSXpVTE95QTYzTW41bUNtY19HVmRTUlF5Z1VTX1g4SUFlZWUySzlwYTVvYTA1dTNvdXRMdW1u?oc=5) · KRIS 6 News Corpus Christi

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67869 (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/29.json (key "67869", 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=67869
- 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