Kerr County

Kerrville, TX · 1 · Charter #1558 · www.kerrcountyfcu.com
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$155.8M
74th percentile
Members
13,789
86th percentile
Total loans
$112.7M
83th percentile
Total shares
$136.3M
76th percentile

Profitability

Return on assets
1.64%
83th percentile
Net interest margin
4.82%
94th percentile
Efficiency ratio
58.68%
63th percentile
Non-interest income ratio
17.48%
51th percentile

Capital & Risk

Net worth ratio
11.84%
45th percentile
Delinquency rate
0.74%
49th percentile
Net charge-off rate
1.39%
6th percentile
Loan-to-share
82.68%
76th percentile

Growth

Member growth YoY
1.49%
75th percentile
Asset growth YoY
3.58%
47th percentile
Loan growth YoY
-4.12%
21th percentile
Share growth YoY
3.62%
53th percentile

Operations

Members / branch
3,447
58th percentile
Assets / member
$11,297
23th percentile
Field of membership penetration
9.07%
57th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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