Kerrville, TX · Charter 1558
NCUA · 4 branches
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
33
Asset Quality
23
Profitability
74
Liquidity
28
Efficiency
76
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 1558
NCUA · 4 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.87% | 0.52% | 0.73% | 0.28% | 0.80% | -7 bps | |
| Return on Equity | 7.56% | 4.65% | 6.13% | 2.38% | 6.57% | -99 bps | |
| Net Interest Margin | 4.62% | 4.64% | 4.82% | 4.95% | 5.04% | +42 bps | |
| Efficiency Ratio | 75.30% | 75.24% | 73.17% | 77.31% | 70.36% | -494 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.59% | 8.07% | 3.58% | 1.29% | -0.02% | -961 bps | |
| Loan Growth (YoY) | -1.63% | -3.30% | -4.12% | -1.45% | 0.58% | +221 bps | |
| Share Growth (YoY) | 9.63% | 8.17% | 3.04% | 1.17% | -0.45% | -1,008 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.64% | 0.58% | 0.74% | 0.94% | 1.17% | +53 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.52% | 11.30% | 11.84% | 11.78% | 12.14% | +63 bps | |
| Net Worth / Assets | 11.52% | 11.30% | 11.84% | 11.78% | 12.14% | +63 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 83.75% | 81.00% | 82.68% | 83.72% | 84.62% | +87 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Kerrville, TX · Charter 1558 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 4 branches
Q2 2026
Return on Assets
0.80%
Rank 92 of 235
Net Interest Margin
5.04%
Rank 17 of 235
Efficiency Ratio
70.36%
Rank 57 of 235
Equity / Assets
12.14%
Rank 157 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.80% | 0.17% | 0.57% | 1.10% | Beats 61% | 92 / 235 | |
| Return on Equity | 6.57% | 1.03% | 4.30% | 7.58% | Beats 68% | 76 / 235 | |
| Net Interest Margin | 5.04% | 3.32% | 3.89% | 4.35% | Beats 93% | 17 / 235 | |
| Efficiency Ratio | 70.36% | 70.60% | 82.00% | 91.57% | Beats 76% | 57 / 235 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.17% | 0.20% | 0.59% | 1.14% | Beats 23% | 181 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 12.14% | 11.30% | 14.41% | 19.49% | Beats 33% | 157 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 12.14% | 11.30% | 14.41% | 19.49% | Beats 33% | 157 / 235 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 84.62% | 54.18% | 67.38% | 81.66% | 77th pctl | 53 / 235 | |
| Loans / Assets | 73.83% | 43.80% | 56.63% | 68.64% | 83rd pctl | 39 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||