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Credit union call report ยท Kerrville, TX

Kerr County Federal Credit Union Call Report

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Kerr County Federal Credit Union filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 283 filed line items, in the form's order. Dollar amounts are whole dollars as filed.

Kerr County Federal Credit Union call report filing details
Call report formNCUA 5300
Latest quarter filedQ2 2026 (June 30, 2026)
NCUA charter number1558
Federal Reserve RSSD ID412676

The official copy: search charter number 1558 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.

Kerr County Federal Credit Union call report, Q2 2026

Statement of Financial Condition (33 items)
Kerr County Federal Credit Union, Statement of Financial Condition, Q2 2026
Line item Account Q2 2026
1a. Coin and Currency AS0004 $2.2M
1c. Total Cash on Hand 730A $2.2M
2a. Cash on Deposit in Corporate Credit Unions 730B1 $13.7M
2c. Cash on Deposit in Other Financial Institutions 730B2 $17K
2. Cash on Deposit (total) 730B $13.7M
3. Time Deposits in Banks and Credit Unions AS0007 $14.5M
5. TOTAL CASH AND OTHER DEPOSITS AS0009 $30.4M
12b. Perpetual Contributed Capital 769B $50K
12c. All Other Investments AS0016 $4.6M
13. TOTAL OTHER INVESTMENTS AS0017 $4.7M
15a. Number of Total Loans and Leases 025A 7,853
15b. Total Loans and Leases 025B $115.3M
17. ACL on Loans and Leases AS0048 $1.0M
18c. Foreclosed/Repossessed - Vehicles AS0024 $325K
18e. Foreclosed/Repossessed Assets (total) 798A $325K
19. Land and Building 007 $3.7M
20. Other Fixed Assets 008 $211K
21. NCUA Share Insurance Capitalization Deposit 794 $1.3M
22a. Goodwill 009D2 $78K
22d. Accrued Interest on Loans 009A $427K
22e. Accrued Interest on Investments 009B $26K
22f. All Other Assets 009C $746K
22g. Total Other Assets AS0036 $1.3M
23. TOTAL ASSETS 010 $156.2M
Accounts Payable and Other Liabilities 825 $1.0M
Accrued Dividends and Interest Payable 820A $141K
Borrowings (total) 860C $4.8M
Member Shares of All Types 013 $136.3M
Total Shares and Deposits 018 $136.3M
Undivided Earnings 940 $13.9M
Total Net Worth 997 $19.0M
Net Worth Ratio 998 12.14%
TOTAL LIABILITIES, SHARES, AND EQUITY 014 $156.2M
Statement of Income and Expense (24 items)
Kerr County Federal Credit Union, Statement of Income and Expense, Q2 2026
Line item Account Q2 2026
1. Interest on Loans and Leases 110 $4.3M
3. Income from Investments 120 $570K
5. TOTAL INTEREST INCOME 115 $4.9M
6. Dividends on Shares 380 $902K
8. Interest on Borrowed Money 340 $19K
9. TOTAL INTEREST EXPENSE 350 $920K
10. NET INTEREST INCOME IS0010 $3.9M
12a. Credit Loss Expense - Loans and Leases IS0011 $853K
12e. Total Credit Loss Expense IS0017 $853K
13. Fee Income 131 $866K
14. Other Operating Income IS0020 $185K
22. Other Non-Operating Income 440 -$9K
23. TOTAL NON-INTEREST INCOME 117 $1.0M
24. Employee Compensation and Benefits 210 $2.0M
25. Travel and Conference 230 $63K
26. Office Occupancy 250 $240K
27. Office Operations 260 $432K
28. Educational and Promotional 270 $17K
29. Loan Servicing 280 $101K
30. Professional and Outside Services 290 $613K
32. Operating Fees 320 $7K
33. Miscellaneous Operating Expense 360 $71K
34. TOTAL NON-INTEREST EXPENSE 671 $3.5M
35. NET INCOME 661A $623K
Statement pages - all other filed accounts (25 items)

delinquency (21%), credit cards (21%)

Kerr County Federal Credit Union, Statement pages - all other filed accounts, Q2 2026
Line item Account Q2 2026
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 1 month to less than 2 months delinquent 020B $1.8M
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 2 to less than 6 months delinquent 021B $500K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 6 to less than 12 months delinquent 022B $287K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 12 months and over delinquent 023B $76K
Amount of Delinquent Unsecured Credit Card Loans as of - 1 month to less than 2 months delinquent. 024B $1K
Loans Granted Year-to-Date 031A $1K
Amount of Loans Granted Year-to-Date 031B $28.1M
Total Amount of Delinquent Loans & Leases (Two or more months) 041B $1.3M
Number of current members (not number of accounts) 083 13,943
Number of potential members 084 152,000
Net Member Business Loan Balance 400A $983K
Interest Rate of Unsecured Credit Card Loans 521 1,050.00%
Interest Rate of All Other Unsecured Loans/Lines of Credit 522 1,034.00%
Interest Rate of New Vehicle Loans 523 637.00%
Interest Rate of Used Vehicle Loans 524 743.00%
Total Amount of All Loans Charged Off Year-to-Date 550 $997K
Total Amount of All Year-to-Date Recoveries on Charged-Off Loans 551 $120K
Total Amount of All Other Shares 630 $1.3M
Amount of Regular Shares 657 $55.7M
Amount of Share Drafts 902 $32.0M
IRA/KEOGH Accounts - < 1 Year 906A $1.4M
Share Certificates - < 1 Year 908A $897K
Total Amount of Share Certificates 908C $31.7M
Total Amount of Money Market Shares 911 $10.3M
Number of Used Vehicle Loans 968 3,651
NCUA data file FS220A (28 items)

loans and leases (25%), income and expense (25%), shares and deposits (19%)

Kerr County Federal Credit Union, NCUA data file FS220A, Q2 2026
Line item Account Q2 2026
Total Shares - < 1 Year 013A $101.6M
Total Shares - 1-3 Years 013B1 $23.1M
Total Shares - > 3 Years 013B2 $11.6M
Total Shares and Deposits - < 1 Year 018A $101.6M
Total Shares and Deposits - 1-3 Years 018B1 $23.1M
Total Shares and Deposits - > 3 Years 018B2 $11.6M
Number of Total Delinquent Loans & Leases (Two or more months) 041A 96
Amount of Delinquent Indirect Loans 041E $857K
Effective date of last audit 063 $122K
Amount of Used Vehicle Loans 370 $68.8M
Amount of New Vehicle Loans 385 $19.9M
Amount of Unsecured Credit Card Loans 396 $673K
Amount of All Other Unsecured Loans/Lines of Credit 397 $14.1M
Share Certificates 451 $546
Number of Accounts for Share Drafts 452 8,158
IRA/KEOGH Accounts 453 $285
Number of Accounts for Regular Shares 454 14,852
All other shares 455 $722
Money Market Shares 458 $215
Number of Accounts for Total Shares and Deposits (Sum of items 15-16) 460 24,778
Number of credit union employees who are Full-Time (26 hours or more) 564A 45
Number of credit union employees who are Part-Time (25 hours or less per week) 564B 1
Dollar amount of loans with interest rates that exceed 15% (For FCUs Only) 567 $8.0M
Aggregate weighted average interest rate for the loans with interest rates that exceed 15% (For FCUs Only) 568 1,622.00%
Number of Outstanding Indirect Loans 617A 2,169
Total Amount of Outstanding Indirect Loans 618A $51.6M
Total credit lines 881 $9.6M
Total Subordinated Debt included in Net Worth 925A $4.8M
NCUA data file FS220B (32 items)

maturity and repricing buckets (40%), credit cards (17%)

Kerr County Federal Credit Union, NCUA data file FS220B, Q2 2026
Line item Account Q2 2026
Amount of Delinquent Unsecured Credit Card Loans as of - 2 to less than 6 months delinquent 026B $2K
Number - Total Delinquent Credit Card Loans 045A 2
Total Amount of Delinquent Unsecured Credit Card Loans 045B $2K
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E) 065A4 $9.9M
Total Uninsured Shares and Deposits > $250K (F+J) 068A $9.9M
Total Insured Shares and Deposits > $250K (item 17 less item K) 069A $126.3M
Effective date of the most recent Supervisory Committee verification of Member's accounts 603 $122K
All other shares - < 1 Year 630A $1.3M
Amount of Regular Shares - < 1 Year 657A $55.7M
Total Amount of Unsecured Credit Card Loans Charged Off Year-to-Date 680 $14K
Total Amount of Year-to-Date Recoveries on Unsecured Credit Card Loans Charged Off 681 $5K
Total Borrowings - < 1 Year 860A $100K
Total Borrowings - 1-3 Years 860B1 $100K
Total Borrowings - > 3 Years 860B2 $4.6M
Subordinated Debt - < 1 Year 867A $100K
Subordinated Debt - 1-3 Years 867B1 $100K
Subordinated Debt - > 3 Years 867B2 $4.6M
Total Amount of Subordinated Debt 867C $4.8M
Amount of Share Drafts - < 1 Year 902A $32.0M
IRA/KEOGH Accounts - 1-3 Years 906B1 $1.5M
IRA/KEOGH Accounts - > 3 Years 906B2 $2.4M
Total Amount of IRA/KEOGH Accounts 906C $5.3M
Share Certificates - 1-3 Years 908B1 $21.5M
Share Certificates - > 3 Years 908B2 $9.3M
Money Market Shares - < 1 Year 911A $10.3M
Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff 956 $490K
Number of New Vehicle Loans 958 642
Total Shares 966 $25K
Total of outstanding loan balances subject to bankruptcies identified in items 23a-c. 971 $102K
Number of Unsecured Credit Card Loans 993 699
Number of All Other Unsecured Loans/Lines of Credit 994 2,221
Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff 995 11
NCUA data file FS220C (6 items)

charge-offs and recoveries (27%), participation loans (18%)

Kerr County Federal Credit Union, NCUA data file FS220C, Q2 2026
Line item Account Q2 2026
Indicate in the box at the right the number of the description below that best characterizes the last audit performed of your credit union's records 064 $5
Total Amount of Indirect Loans Charged Off Year-to-Date 550E $535K
Total Amount of All Year-to-Date Recoveries on Charged-Off Indirect Loans 551E $26K
Number of credit union branches (include the main office if member services are conducted at that location) 566 4
Supplemental Share Information - Dollar Amount of Share Certificates = or > $100,000 638 $23.4M
Supplemental Share Information - Dollar Amount of IRA/Keogh Accounts = or > $100,000 639 $2.6M
NCUA data file FS220D (27 items)

member services and products offered (69%), CUSO relationships (27%)

Kerr County Federal Credit Union, NCUA data file FS220D, Q2 2026
Line item Account Q2 2026
No Cost Share Drafts 879A4 $1
Share Certificates with Low Minimum Balance Requirements 879A5 $1
Financial Counseling 879B1 $1
Financial Education 879B2 $1
Credit Management and Repair 879B6 $1
Bilingual Services 879C1 $1
No Cost Bill Payer 879C2 $1
Credit Builder 879D1 $1
Payday Alternative Loans (PAL loans) (FCU Only) 879D9 $1
International Remittances 879V $1
Low-cost wire transfers 879W $1
Member Application 887A $1
Loan Application 887B $1
Loan Payments 887F $1
Bill Payment 887J $1
External or Third-Party Account Aggregation 887M $1
Electronic Signature Authentication/Certification 887P $1
e-Statements 887R $1
External Transfers/Payment ? ACH 887S $1
Remote Deposit Capture 887U $1
MobilePmts 887V $1
Informational Website PI0007 $1
Mobile Application PI0008 $1
Online Banking PI0009 $1
Person-to-Person PI0011 $1
Offer Custodial Accounts PP0032 $1
Does the CU offer an ATM Network that is surcharge free? PP0034 $1
NCUA data file FS220G (3 items)

loans and leases (32%), participation loans (18%)

Kerr County Federal Credit Union, NCUA data file FS220G, Q2 2026
Line item Account Q2 2026
Total Credit Lines at Corporate Credit Unions 884 $5.0M
Current Quarter's Total Adjusted Retained Earnings acquired through Business Combinations 1004 $242K
Prior Quarter-End Adjusted Retained Earnings acquired through Business Combinations 1004A $242K
NCUA data file FS220H (3 items)

student loans (43%), delinquency (27%)

Kerr County Federal Credit Union, NCUA data file FS220H, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for all loan types 816A $5.1M
Total number of TDR loans outstanding 1000F $33
Total amount of TDR loans outstanding 1001F $550K
NCUA data file FS220I (20 items)

vehicle lending (59%), delinquency (44%)

Kerr County Federal Credit Union, NCUA data file FS220I, Q2 2026
Line item Account Q2 2026
Amount of New Vehicle Loans Delinquent 30 to 59 days 020C1 $797K
Amount of Used Vehicle Loans Delinquent 30 to 59 days 020C2 $612K
Amount of New Vehicle Loans Delinquent 60 to 179 days 021C1 $341K
Amount of Used Vehicle Loans Delinquent 60 to 179 days 021C2 $110K
Amount of New Vehicle Loans Delinquent 180 to 359 days 022C1 $139K
Amount of Used Vehicle Loans Delinquent 180 to 359 days 022C2 $96K
Amount of New Vehicle Loans Delinquent >=360 days 023C1 $9K
Amount of Used Vehicle Loans Delinquent >=360 days 023C2 $67K
Number of Reportable Delinquent New Vehicle Loans 035E1 46
Number of Reportable Delinquent Used Vehicle Loans 035E2 32
Amount of Reportable Delinquent New Vehicle Loans 041C1 $731K
Amount of Reportable Delinquent Used Vehicle Loans 041C2 $493K
Amount of New Vehicle Loans YTD Charge Offs 550C1 $104K
Amount of Used Vehicle Loans YTD Charge Offs 550C2 $698K
Amount of New Vehicle Loans YTD Recoveries 551C1 $3K
Amount of Used Vehicle Loans YTD Recoveries 551C2 $44K
Commercial Share Accounts 643 $12.2M
Negative Shares as Included in All Other Unsecured Loans/Lines of Credit 644 $76K
Total Other Credit Lines 884D $4.6M
Number of International Remittances originated Year-to-Date 928 13
NCUA data file FS220J (2 items)

investment portfolio detail (33%), insured and uninsured shares (33%), derivatives (25%)

Kerr County Federal Credit Union, NCUA data file FS220J, Q2 2026
Line item Account Q2 2026
Other Assets - Other Non-insurance 789F $4.6M
Amounts reported in the Asset section or deferred compensation plans of NCUA Rules and Regulations (if FCU), or similar state provisions (if SCU) 789G $4.6M
NCUA data file FS220L (13 items)

commercial and business lending (90%), participation loans (36%), real estate lending (18%)

Kerr County Federal Credit Union, NCUA data file FS220L, Q2 2026
Line item Account Q2 2026
Total Number of Loans & Leases on Loan Schedule 025A1 $8K
Total Amount of Loans & Leases on Loan Schedule 025B1 $115.3M
Total number of commercial loans to members granted or purchased YTD 090A1 $22
Number of Member Commercial and industrial loans granted or purchased YTD 090L2 22
Total outstanding balance of commercial loans to members 400A1 $4.2M
Outstanding balance of Member Commercial and Industrial loans 400L2 $4.2M
Amount of Commercial Loans/Lines of Credit Not Real Estate Secured 400P $4.2M
Outstanding balance of all member and non-member commercial loans 400T1 $4.2M
Total Dollar amount of member commercial loans granted or purchased YTD 475A1 $983K
Dollar Amount of Member Commercial and Industrial loans granted or purchased YTD 475L2 $983K
Interest Rate of Commercial Loans/Lines of Credit Not Real Estate Secured 526 821.00%
Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit 595B 707.00%
Amount of All Other Secured Non-Real Estate Loans/Lines of Credit 698C $7.6M
NCUA data file FS220M (8 items)

commercial and business lending (89%), real estate lending (26%), participation loans (23%)

Kerr County Federal Credit Union, NCUA data file FS220M, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for Credit Card Lines (Non-Commercial) 812C $1.3M
Total Unfunded Commitments for Non-Commercial Loans 816T $5.1M
Total Unfunded Commitments for Overdraft Protection Program Commitments (Non-Commercial) 822C $3.8M
Total number of member commercial loans 900A1 $125
Number of Member Commercial and Industrial loans 900L2 125
Number of Commercial Loans/Lines of Credit Not Real Estate Secured 900P 125
Total Number of Member and Nonmember commercial loans 900T1 $125
Number of All Other Secured Non-Real Estate Loans/Lines of Credit 963C 515
NCUA data file FS220N (3 items)

investment portfolio detail (53%), maturity and repricing buckets (31%), CECL allowances (30%)

Kerr County Federal Credit Union, NCUA data file FS220N, Q2 2026
Line item Account Q2 2026
Total Liabilities LI0069 $142.3M
(CECL) One-time Adjustment to Undivided Earnings for those credit unions that have adopted ASC topic 326 - Financial Instruments - Credit Losses NW0002 $1.2M
Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility NW0010 $156.2M
NCUA data file FS220P (18 items)

commercial and business lending (52%), delinquency (49%), real estate lending (23%)

Kerr County Federal Credit Union, NCUA data file FS220P, Q2 2026
Line item Account Q2 2026
Loan Loss Information - YTD Charge Offs - All Other Unsecured Loans/Lines of Credit CH0007 $181K
Loan Loss Information - YTD Recoveries - All Other Unsecured Loans/Lines of Credit CH0008 $68K
Unsecured Credit Card Loans DL0002 $304
All Other Unsecured Loans/Lines of Credit DL0022 $247K
All Other Unsecured Loans/Lines of Credit DL0023 $18K
All Other Unsecured Loans/Lines of Credit DL0024 $47K
All Other Unsecured Loans/Lines of Credit DL0025 $52K
All Other Unsecured Loans/Lines of Credit DL0027 $118K
All Other Unsecured Loans/Lines of Credit - Total Number of Reportable Delinquent Loans DL0028 $16
New Vehicle Loans DL0030 $243K
Used Vehicle Loans DL0037 $221K
Dollar Amount of Reportable Delinquency - 30 - 59 Days Delinquent - Commercial Loans/Lines of Credit - Commercial and Industrial Loans DL0120 $136K
Delinquent Loans by Collateral Type - 60-89 days - Total Delinquent Loans and Leases DL0141 $482K
Amount of Consumer Loans in Non-Accrual Status DL0145 $362K
Borrower Experiencing Financial Difficulty Not in Compliance with Modified Loan Terms - Number of Modified Loans DL0148 $5
Borrower Experiencing Financial Difficulty Not in Compliance with Modified Loan Terms - Amount of Modified Loans DL0149 $182K
Number of Indirect Loans - New and Used Vehicle Loans IN0001 2,169
Amount of Indirect Loans - New and Used Vehicle Loans IN0002 $51.6M
NCUA data file FS220Q (20 items)

investment portfolio detail (69%)

Kerr County Federal Credit Union, NCUA data file FS220Q, Q2 2026
Line item Account Q2 2026
Total Borrowings LQ0860 $4.8M
Investment Maturity Distribution - Time Deposits - <=1 Year NV0111 $13.2M
Investment Maturity Distribution - Time Deposits - >1-3 Years NV0112 $1.2M
Investment Maturity Distribution - Time Deposits - Total NV0116 $14.5M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - <=1 Year NV0141 $504K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >1-3 Years NV0142 $505K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >5-10 Years NV0144 $3.6M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >10 Years NV0145 $50K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total NV0146 $4.7M
Investment Maturity Distribution - Total Investment Securities - <=1 Year NV0153 $13.7M
Investment Maturity Distribution - Total Investment Securities - >1-3 Years NV0154 $1.8M
Investment Maturity Distribution - Total Investment Securities - >5 - 10 Years NV0156 $3.6M
Investment Maturity Distribution - Total Investment Securities - > 10 Years NV0157 $50K
Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) NV0158 $19.1M
RBC Total Equity RB0001 $13.9M
RBC Allowance for Credit Losses RB0002 $1.0M
RBC Total Additions RB0005 $1.0M
RBC Total Deductions RB0009 $1.3M
RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction RB0010 $13.6M
RBC Risk-Based Capital Numerator RB0012 $13.6M
NCUA data file FS220R (18 items)

risk-based capital and leverage ratio (68%), real estate lending (28%)

Kerr County Federal Credit Union, NCUA data file FS220R, Q2 2026
Line item Account Q2 2026
RBC Schedule Total Investments RB0039 $4.7M
RBC Schedule Total Consumer Loans RB0060 $111.1M
RBC Schedule Total Commercial Loans RB0068 $4.2M
RBC Total for Risk Weighting Allowance for Credit Losses (Loans) RB0077 $1.0M
RBC Allowance for Credit Losses (Loans) 0% Weight RB0078 $1.0M
RBC Schedule Total Loans RB0079 $114.3M
RBC Total for Risk Weighting Total Loans RB0081 -$1.0M
RBC Total Loans 0% Weight RB0082 -$1.0M
RBC Schedule Total Other Assets RB0088 $6.8M
RBC Total for Risk Weighting Other Assets RB0090 $1.3M
RBC Other Assets 0% Weight RB0091 $1.3M
RBC Total from Schedule On-Balance Sheet Assets RB0099 $156.2M
RBC Total Adjustments to Schedule On-Balance Sheet Assets RB0100 $326K
RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight RB0101 $326K
RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts RB0170 $156.2M
RBC Allowance for Credit Losses (Loans) RB0177 $1.0M
Total Shares SH0013 $136.3M
Total Shares and Deposits SH0018 $136.3M

Kerr County Federal Credit Union call reports on file

  • Q2 2026 call report (quarter ended June 30, 2026)
  • Q1 2026 call report (quarter ended March 31, 2026)
  • Q4 2025 call report (quarter ended December 31, 2025)
  • Q3 2025 call report (quarter ended September 30, 2025)
  • Q2 2025 call report (quarter ended June 30, 2025)
  • Q1 2025 call report (quarter ended March 31, 2025)

Where can I find the Kerr County Federal Credit Union call report?

The Kerr County Federal Credit Union call report for the quarter ended June 30, 2026 is on this page, line by line in the order of the NCUA 5300. NCUA publishes every federally insured credit union's call report in its quarterly call report data and in its Research a Credit Union tool. Call reports are public: anyone can read them without an account.

What call report does Kerr County Federal Credit Union file?

Kerr County Federal Credit Union files the NCUA Form 5300, the call report every federally insured credit union files with the National Credit Union Administration. Its figures are in whole dollars, not thousands.

What is the Kerr County Federal Credit Union call report number?

A call report has no number of its own. It is filed and looked up by the credit union's NCUA charter number, which for Kerr County Federal Credit Union is 1558.

How often does Kerr County Federal Credit Union file a call report?

Every quarter, as of March 31, June 30, September 30 and December 31.

Kerr County Federal Credit Union financials and ratios →

New to the 5300? What the NCUA 5300 call report is.