credit union · NCUA 9965 · MD
How big is KEL-CO?
KEL-CO (MD, NCUA charter 9965) reported total assets of $51.6M, 3,881 members and a net worth ratio of 14.39% in its Call Report for 2021Q1. That ranks 2488 of 5,175 federally insured credit unions by assets, 684 of 710 among credit unions with $50m-$100m in assets, 43 of 76 credit unions in maryland.
What stands out
KEL-CO (MD, NCUA charter 9965) reported total assets of $51.6M, 3,881 members and a net worth ratio of 14.39% in its Call Report for 2021Q1. That ranks 2488 of 5,175 federally insured credit unions by assets, 684 of 710 among credit unions with $50m-$100m in assets, 43 of 76 credit unions in maryland. Against its size class: net worth ratio 14.39%, above the peer median of 10.16%; loan-to-share ratio 39.82%, below the peer median of 53.30%; return on assets -1.97%, below the peer median of 0.39%. At 14.39% its net worth ratio is above the 7% NCUA threshold, which puts it in the "well capitalised" band of prompt corrective action; the regulator applies further tests, this page does not.
Key figures, 2021Q1
As filed with the NCUA; ratios computed by FACTANKER. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2021Q1 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $51.6M | $70.8M | $84.8M | $46.5M | record → |
| Shares and deposits | $44.8M | $62.2M | $76.0M | $41.2M | record → |
| Loans outstanding | $17.8M | $33.1M | $27.2M | $20.2M | record → |
| Net income (year to date) | $-254.3k | $70.8k | $33.9k | $33.2k | record → |
| Net worth | $7.4M | $7.2M | $10.0M | $5.0M | record → |
| Net worth ratio | 14.39% | 10.16% | 9.60% | 10.43% | record → |
| Loan-to-share ratio | 39.82% | 53.30% | 54.35% | 56.56% | computed |
| Return on assets | -1.97% | 0.39% | 0.20% | 0.37% | computed |
| Members | 3,881 | 5,832 | 7,040 | 3,875 | record → |
Quarter by quarter
24 Call Reports on record, 2015Q2–2021Q1; the 24 most recent shown.
| Quarter | Total assets | Shares | Loans | Net income YTD | Net worth ratio | Members | Rank |
|---|---|---|---|---|---|---|---|
| 2021Q1 | $51.6M | $44.8M | $17.8M | $-254.3k | 14.39% | 3,881 | 2488 |
| 2020Q4 | $50.0M | $43.0M | $18.9M | $50.4k | 15.34% | 3,952 | 2458 |
| 2020Q3 | $50.4M | $43.2M | $19.5M | $116.2k | 15.34% | 4,047 | 2427 |
| 2020Q2 | $50.5M | $43.4M | $20.1M | $93.8k | 15.26% | 4,114 | 2403 |
| 2020Q1 | $47.9M | $40.8M | $20.4M | $58.5k | 16.04% | 4,168 | 2388 |
| 2019Q4 | $47.8M | $40.7M | $20.7M | $408.9k | 15.96% | 4,248 | 2370 |
| 2019Q3 | $47.6M | $40.5M | $21.1M | $332.8k | 15.84% | 4,300 | 2367 |
| 2019Q2 | $48.9M | $41.9M | $21.4M | $225.1k | 15.21% | 4,336 | 2350 |
| 2019Q1 | $49.4M | $42.6M | $21.2M | $85.4k | 14.76% | 4,387 | 2346 |
| 2018Q4 | $48.3M | $41.6M | $21.1M | $278.5k | 14.94% | 4,435 | 2355 |
| 2018Q3 | $48.8M | $42.4M | $21.1M | $195.2k | 14.61% | 4,469 | 2350 |
| 2018Q2 | $49.1M | $42.5M | $21.2M | $96.4k | 14.32% | 4,533 | 2359 |
| 2018Q1 | $49.8M | $43.2M | $22.4M | $64.6k | 14.05% | 4,575 | 2343 |
| 2017Q4 | $48.3M | $41.7M | $22.5M | $-71.1k | 14.35% | 4,607 | 2358 |
| 2017Q3 | $48.8M | $42.1M | $22.7M | $6.1k | 14.37% | 4,668 | 2362 |
| 2017Q2 | $50.5M | $43.7M | $22.6M | $27.4k | 13.93% | 4,707 | 2341 |
| 2017Q1 | $50.5M | $43.8M | $23.1M | $25.9k | 13.93% | 4,756 | 2353 |
| 2016Q4 | $49.6M | $42.9M | $23.4M | $351.7k | 14.11% | 4,797 | 2342 |
| 2016Q3 | $49.3M | $42.6M | $23.9M | $260.8k | 13.99% | 4,843 | 2346 |
| 2016Q2 | $49.9M | $43.4M | $23.5M | $166.9k | 13.61% | 4,905 | 2319 |
| 2016Q1 | $50.5M | $44.0M | $23.5M | $81.6k | 13.28% | 4,952 | 2307 |
| 2015Q4 | $50.4M | $43.9M | $23.6M | $327.3k | 13.16% | 4,982 | 2289 |
| 2015Q3 | $50.6M | $44.2M | $24.1M | $225.3k | 12.90% | 5,031 | 2277 |
| 2015Q2 | $50.1M | $43.8M | $23.9M | $144.1k | 12.86% | 5,074 | 2295 |
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