TellerScore

Kerr County Federal Credit Union (NCUA charter #1558) is based in Kerrville, Texas. Its Q2 2026 call report shows $156.2M in total assets and $136.3M in member shares and deposits and 3 offices.

Kerr County Federal Credit Union has a TellerScore of 67 out of 100 (moderate) based on Q2 2026 data — higher than only 41% of its 1,341 credit unions with $100 million – $1 billion. Among 380 credit unions headquartered in Texas, it ranks 242nd. Problem-loan coverage contributes the most (82/100, 8.8%); earnings contributes the least (52/100, 0.80%).

TellerScore · Q2 2026

Scorecard

Capital cushion71/100
Net worth ratio: 12.14%
Loan quality61/100
Loans 60+ days delinquent ÷ total loans: 1.17%
Earnings52/100
Return on assets (annualized): 0.80%
Funding & liquidity76/100
Loans ÷ shares: 84.6% · 7.3% uninsured
Problem-loan coverage82/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 8.81%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 4 points (71 → 67), mostly because the loan quality component weakened by 18 points.

TellerScore
637077Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202475
Q3 202477
Q4 202474
Q1 202571
Q2 202571
Q3 202568
Q4 202569
Q1 202663
Q2 202667
Net worth ratio
7.00%9.57%12.14%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.68%
Q3 202412.03%
Q4 202412.01%
Q1 202511.93%
Q2 202511.84%
Q3 202511.58%
Q4 202511.84%
Q1 202611.78%
Q2 202612.14%
Delinquent loans (60+ days)
0.34%0.75%1.17%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.34%
Q3 20240.38%
Q4 20240.52%
Q1 20250.75%
Q2 20250.64%
Q3 20250.58%
Q4 20250.74%
Q1 20260.94%
Q2 20261.17%
Return on assets
0.28%0.81%1.34%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.23%
Q3 20241.34%
Q4 20241.18%
Q1 20251.06%
Q2 20250.87%
Q3 20250.52%
Q4 20250.73%
Q1 20260.28%
Q2 20260.80%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202667$156.2M12.14%1.17%0.80%84.6%
Q1 202663$156.7M11.78%0.94%0.28%83.7%
Q4 202569$155.8M11.84%0.74%0.73%82.7%
Q3 202568$158.7M11.58%0.58%0.52%81.0%
Q2 202571$156.2M11.84%0.64%0.87%83.8%
Q1 202571$154.7M11.93%0.75%1.06%85.9%
Q4 202474$150.4M12.01%0.52%1.18%88.9%
Q3 202477$146.9M12.03%0.38%1.34%90.6%
Q2 202475$142.6M11.68%0.34%1.23%93.3%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.14%
60th
Problem loans1.17%
23rd
Net charge-offs1.52%
3rd
Return on assets0.80%
54th
Loans to deposits84.6%
29th
Uninsured deposits7.3%
36th
Loan-loss reserves0.00%
50th
Texas ratio8.8%
17th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
4u Federal Credit UnionCredit union Gainesville, TX63 out of 100, Moderate$156.2M8.9%0.04%vs
Chocolate Bayou Community Federal Credit UnionCredit union Alvin, TX77 out of 100, Strong$158.1M12.9%0.77%vs
Communities of Abilene Federal Credit UnionCredit union Abilene, TX72 out of 100, Strong$161.1M10.9%0.23%vs
Naft Federal Credit UnionCredit union Pharr, TX93 out of 100, Very strong$162.3M16.4%0.50%vs
Community Service Credit UnionCredit union Huntsville, TX59 out of 100, Moderate$163.8M9.4%0.82%vs
River City Federal Credit UnionCredit union San Antonio, TX44 out of 100, Below average$147.8M11.2%2.00%vs

Deposit insurance

Is my money safe at Kerr County Federal Credit Union?

Yes. Kerr County Federal Credit Union is a federally insured credit union (NCUA charter #1558). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 7.3% of shares and deposits ($10.0M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 12.14%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Kerr County Federal Credit Union lists 3 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Kerr County Federal Credit Union
Type
Federal credit union
NCUA charter #
1558
RSSD ID
412676
Primary regulator
NCUA
Established
1936
Headquarters
500 Main St, Kerrville, TX 78028
Employees
46

Quick answers

Kerr County Federal Credit Union: common questions

Is Kerr County Federal Credit Union NCUA insured?

Yes. Kerr County Federal Credit Union is a federally insured credit union (NCUA charter #1558). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Kerr County Federal Credit Union's TellerScore?

67 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Kerr County Federal Credit Union have?

3 offices as of the latest NCUA data.