Federal credit union · Kerrville, Texas · NCUA charter #1558
Kerr County
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $155.8M
- Total assets
- 13,789
- Members
- 11.8%
- Net-worth ratio
Kerr County scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $155.8M; members 13,789; net-worth ratio 11.78%; health rank #639 of 4,374; healthier than 84th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#639 of 4,374 health · 2025Q4Kerr County · health 93/100 · $155.8M · 2025Q4
- PHOTO 93/100
- BOOK 11.8%
- CHARTER 0.74%
- NCUSIF 1.14%
- CAMELS $155.8M
- HEALTH 13,789
- NW #639/4,374
- DELQ Fd Community
- ROA 1558
Call Report peers
Kerr County in the assets neighbourhood
Kerr County's $155.8M assets sit next to Fd Community ($156.1M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Kerr County vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
93 Top 16% higher than 84% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Kerr County - Share Insurance Coverage
Charter #1558's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Kerr County vs $100M–$500M peers
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +10.48 pp (82.68% vs 72.20%).
- Net Worth Ratio trails the peer set - 11.78% here, 12.11% peer average (-0.33 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Kerr County sits in Texas
- In Texas, health place is #57 of 386 on the same NCUA-ratio sort used nationally.
- Texas assets place: #120 of 386.
- Texas membership ordinal: #105 of 386.
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Kerr County: 2025Q4 → 2026Q1
Kerr County: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.6% from $155.8M (2025Q4) to $156.7M (2026Q1).
- Net-worth ratio shifted -0.06 pp (11.84% → 11.78%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
11.78% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 93/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 93.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.6 pts
- Return on Assets 15.0 pts
- Member Growth 10.8 pts
- Loan-to-Share Ratio 14.6 pts
Kerr County health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.78% | -0.33 pp |
| Delinquency Rate | 0.74% | -0.15 pp |
| Return on Assets | 1.14% | +0.52 pp |
| Member Growth | 1.49% | - |
| Loan-to-Share Ratio | 82.68% | +10.48 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Kerr County quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $156.7M | - |
| 2025Q4 | $155.8M | 13,789 |
| 2024Q4 | $150.4M | 13,587 |
| 2023Q4 | $139.2M | 13,342 |
Credit Union Details
- Charter Number
- 1558
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Texas
- City
- Kerrville
- Data Quarter
- 2025Q4
Branch Locations (4)
Kerr County operates 4 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Central Branch (Main Office) | Kerrville, TX |
| Junction Branch | Junction, TX |
| KERRVILLE - MAIN | Kerrville, TX |
| West Branch | Kerrville, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
A look at other Texas credit unions, ranked by how closely their peer group and asset size match this one.
Kerr County nationwide neighbourhoods
Two NCUA Call Report peer sets for Kerr County, both outside Texas so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($155.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (93/100 here).
Using this data
- Kerr County ranks #639 of 4,374 nationally on financial health and #57 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Chocolate Bayou Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Chocolate Bayou Community
- Rates and health both vary by institution, not just by state -- see how Texas credit unions compare overall before assuming this one is typical. Texas state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Kerr County financially healthy?
Yes/no aside, the number is 93/100 (Excellent) - Kerr County's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #639 of 4,374; by total assets it ranks #1,468 of 4,374 nationally (same basis as /rankings/largest); and #120 of 386 within Texas. Above 80 reads excellent, below 50 warrants closer monitoring; a 11.78% net worth ratio and 0.74% delinquency rate are the key drivers.
How does Kerr County compare to other credit unions?
On PlainCU's health composite, Kerr County lands at 93/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Kerr County?
Kerr County operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Kerr County directly for the exact boundaries and application steps.
Is my money safe at Kerr County?
Federal credit unions like Kerr County are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Kerr County's net worth ratio of 11.78% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Kerr County offer compared to banks?
Credit unions like Kerr County are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Kerr County directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.