Kerrville, TX · Charter 11576
NCUA · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in TX (n=235). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
15
Asset Quality
49
Profitability
46
Liquidity
0
Efficiency
20
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Kerrville, TX · Charter 11576
NCUA · 1 branch
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.71% | 0.45% | 0.11% | 0.20% | 0.18% | -0.06% | -0.30% | 0.07% | -12 bps | |
| Return on Equity | 6.21% | 3.91% | 0.98% | 1.91% | 1.73% | -0.63% | -3.12% | 0.75% | -116 bps | |
| Net Interest Margin | 5.51% | 5.62% | 5.28% | 5.14% | 5.00% | 5.16% | 5.25% | 5.28% | +14 bps | |
| Efficiency Ratio | 85.39% | 87.08% | 92.21% | 90.13% | 92.29% | 93.19% | 100.14% | 94.06% | +392 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.34% | 3.44% | 5.98% | 11.31% | 12.54% | 13.67% | 10.80% | 2.59% | -871 bps | |
| Loan Growth (YoY) | 9.91% | 9.31% | 7.82% | 4.98% | 4.36% | 8.23% | 5.49% | 6.42% | +143 bps | |
| Share Growth (YoY) | -2.07% | 2.52% | 2.04% | 12.45% | 17.61% | 15.43% | 17.32% | 0.47% | -1,198 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.06% | 1.57% | 2.18% | 1.67% | 1.13% | 0.95% | 0.37% | 0.61% | -106 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.52% | 11.56% | 11.00% | 10.38% | 10.21% | 10.04% | 9.70% | 9.93% | -45 bps | |
| Net Worth / Assets | 11.52% | 11.56% | 11.00% | 10.38% | 10.21% | 10.04% | 9.70% | 9.93% | -45 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 101.44% | 100.83% | 101.62% | 90.62% | 90.02% | 94.53% | 91.37% | 95.98% | +536 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Kerrville, TX · Charter 11576 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
Return on Assets
0.07%
Rank 187 of 235
Net Interest Margin
5.28%
Rank 10 of 235
Efficiency Ratio
94.12%
Rank 189 of 235
Equity / Assets
9.93%
Rank 200 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.07% | 0.17% | 0.57% | 1.10% | Beats 20% | 187 / 235 | ||
| Return on Equity | 0.75% | 1.03% | 4.30% | 7.58% | Beats 23% | 182 / 235 | ||
| Net Interest Margin | 5.28% | 3.32% | 3.89% | 4.35% | Beats 96% | 10 / 235 | ||
| Efficiency Ratio | 94.12% | 70.60% | 82.00% | 91.57% | Beats 20% | 189 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.61% | 0.20% | 0.59% | 1.14% | Beats 49% | 122 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.93% | 11.30% | 14.41% | 19.49% | Beats 15% | 200 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.93% | 11.30% | 14.41% | 19.49% | Beats 15% | 200 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 95.98% | 54.18% | 67.38% | 81.66% | 95th pctl | 12 / 235 | ||
| Loans / Assets | 83.76% | 43.80% | 56.63% | 68.64% | 97th pctl | 6 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||