Kbr Heritage

HOUSTON, TX · 1 · Charter #8344 · WWW.KBRHFCU.ORG
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
$78.5M
29th percentile
Members
4,380
18th percentile
Total loans
$41.6M
30th percentile
Total shares
$61.5M
24th percentile

Profitability

Return on assets
1.50%
77th percentile
Net interest margin
3.52%
43th percentile
Efficiency ratio
53.48%
76th percentile
Non-interest income ratio
6.67%
6th percentile

Capital & Risk

Net worth ratio
21.34%
95th percentile
Delinquency rate
1.04%
32th percentile
Net charge-off rate
0.43%
40th percentile
Loan-to-share
67.62%
49th percentile

Growth

Member growth YoY
-1.48%
39th percentile
Asset growth YoY
-9.35%
1th percentile
Loan growth YoY
-2.17%
30th percentile
Share growth YoY
-8.31%
1th percentile

Operations

Members / branch
4,380
75th percentile
Assets / member
$17,929
76th percentile
Field of membership penetration
29.20%
77th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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