KERR COUNTY
Charter #1558 · Kerrville, TX · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.97% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 1.38% sits at the 82nd percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 34th percentile but its structural peers at the 57th — a 23-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | KERR COUNTY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $156.67M | 34th pct | 57th pct |
| Members | 13,906 | 53th pct | 61th pct |
| Net worth ratio | 11.78% | 54th pct | 54th pct |
| Return on average assets | 0.28% | 21th pct | 26th pct |
| Net interest margin | 4.97% | 97th pct | 87th pct |
| Cost of funds | 1.39% | 62th pct | 52th pct |
| Loan-to-share | 83.72% | 77th pct | 66th pct |
| Delinquency 60+ days | 0.94% | 73th pct | 72th pct |
| Net charge-off ratio | 1.38% | 95th pct | 82th pct |
| Loan growth YoY | 1.92% | 65th pct | 62th pct |
| Share growth YoY | -1.38% | 5th pct | 7th pct |
| Efficiency ratio | 77.31% | 44th pct | 38th pct |
structural peer set hash: c2992d0deb705097fbea00a2bbc75238… (reproducible)
Closest structural peers
This is the free public view
Claim KERR COUNTY
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.