Kerr County
Kerrville, TX · Charter 1558 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 4 branches
Q2 2026
$156.2MAssets
$115.3MLoans
$136.3MShares
$19.0MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 93% of credit unions under $1B in assets in TX (rank 17 of 235).
- Widest gap: nonperforming loans / loans trails 77% of credit unions under $1B in assets in TX (rank 181 of 235).
- Overall: at or above the peer median on 4 of 7 directional measures.
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 |