Kerr County Federal Credit Union Kerrville, Texas
Kerr County Federal Credit Union is a federal credit union headquartered in Kerrville, TX, established in 1936 (NCUA charter 1558), and it is regulated and insured by the NCUA. At Q2 2026 it reported 13,943 members and total assets of $156.2M (little changed from Q2 2025), the 119th largest of 377 credit unions headquartered in Texas. Its net worth ratio was 12.14% at Q2 2026, in the well capitalized band.
Also written as Kerr County FCU
BankRegReports is independent of Kerr County Federal Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 1558
- Headquarters
- Kerrville, TX
- Established
- 1936
- Total assets, Q2 2026
- $156.2M
- Assets vs Q2 2025
- 0.0%
- Members, Q2 2026
- 13,943
- Net worth ratio, Q2 2026
- 12.14%
- Latest call report
- Q2 2026, NCUA 5300 · Kerr County Federal Credit Union call report
- Asset rank in state
- 119th of 377 in Texas
- Routing number
- 314985345
- Branches
- 4
It has 181 more members than on June 30, 2025 (+1.3%). Its net worth ratio was up 0.30 percentage points from 11.84% on June 30, 2025. Used vehicle loans are its largest loan category, $68.8M of $115.3M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.17% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 12.14% net worth ratio is above that band's 11.43% median.
Credit unions similar in size in Texas
Credit unions merged into Kerr County Federal Credit Union
Hilco Federal Credit Union (2020)
Frequently asked about Kerr County Federal Credit Union
How big is Kerr County Federal Credit Union?
At Q2 2026 it reported total assets of $156.2M and 13,943 members.
Where is Kerr County Federal Credit Union headquartered?
It is headquartered in Kerrville, TX, United States.
When was Kerr County Federal Credit Union founded?
It was established in 1936, per NCUA records.
Is Kerr County Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 1558): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Kerr County Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Kerr County Federal Credit Union well capitalized?
Its net worth ratio was 12.14% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Kerr County Federal Credit Union's delinquency ratio?
Its delinquency ratio was 1.17% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Kerr County Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 84.62% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Kerrville, TX 78028
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1936
- NCUA Charter #
- 1558
- RSSD ID
- 412676
- Members
- 13,943
- Potential members
- 152,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 4 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 12.14% | 11.43% | 58th above |
| Return on assets Middle half of peers: 0.43% to 1.23% | 1.31% | 0.81% | 78th top |
| Return on equity Middle half of peers: 3.87% to 9.84% | 10.82% | 7.02% | 80th top |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 5.11% | 3.70% | over 90th top |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 63.61% | 76.55% | 84th top |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.13% | 1.24% | 58th above |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 1.17% | 0.68% | 24th bottom |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 6.24% | 4.92% | over 90th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 84.62% | 75.66% | 71st position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$156.2M total assets against $156.2M; $136.3M total shares and deposits against $136.9M; $115.3M total loans against $114.7M.
$19.0M net worth against $18.0M.
12.14% net worth ratio against 11.84%.
84.62% loan-to-share ratio against 83.75%.
1.17% delinquency ratio against 0.64%.
1.31% return on assets against 0.69%; 10.82% return on equity against 6.00%.
5.11% net interest margin against 4.75%.
13,943 members against 13,762.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 12.14% | 1.31% | 1.17% | 84.62% |
| March 31, 2026 | 11.78% | 0.28% | 0.94% | 83.72% |
| December 31, 2025 | 11.84% | 1.30% | 0.74% | 82.68% |
| September 30, 2025 | 11.58% | -0.14% | 0.58% | 81.00% |
| June 30, 2025 | 11.84% | 0.69% | 0.64% | 83.75% |
| March 31, 2025 | 11.93% | 1.06% | 0.75% | 85.94% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.