# KERR COUNTY
Kerrville, TX · NCUA charter 1558 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/kerr-county-1558

Who the members are: federal charter, community charter, organized 1936, low-income designated. 13,906 members of 152,000 potential (9.2% of the field); checking penetration 58% (share draft accounts per 100 members); loans per 100 members 57.

**Verdict on the desk:** this could be *auto monoline*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $156.7M |
| Members | 13,906 (1.5% YoY) |
| Full-time staff | 46 |
| Net worth | $18.5M |
| Net worth ratio | 11.8% (p52 of band) |
| ROA (annualized) | 0.28% (p23 of band) |
| Total delinquency | 0.94% (p71 of band) |
| Net charge-offs (annualized) | 1.37% (p94 of band) |
| Loans / shares | 84% (p79 of band) |
| Cash / assets | 19.7% |
| Borrowings / assets | 3.07% |
| Net interest margin | 4.95% (p95 of band) |
| Operating expense / assets | 4.85% (p84 of band) |
| Vehicles % of loans | 76% (p97 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 58% |
| Third-party paper % of net worth | 275% (p94 of band) |
| Vehicle delinquency | 0.94% (p69 of band) |
| Vehicle NCO | 1.79% (p89 of band) |
| Repossessed % of vehicle book | 0.92% (p97 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 13% |
| Commercial % of net worth | 22% |
| Core shares % of member funds | 63% |
| Certificates % of member funds | 24% |
| Average share balance | $5,551 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 57% |
| Loans granted per 100 members, annualized | 22% |
| Average loan balance | $14,552 |
| Loans granted, annualized | $59.1M |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco_high`)
- **repo signal** (`aq_repo`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | thin capital, charge-offs p90, repo signal, auto monoline |  |
| 2016-06 | 4 |  |  |
| 2016-09 | 4 |  |  |
| 2016-12 | 4 |  |  |
| 2017-03 | 5 | margin squeeze |  |
| 2017-06 | 6 | net worth falling |  |
| 2017-09 | 6 | 3rd-party paper>100% NW | net worth falling |
| 2017-12 | 6 |  |  |
| 2018-03 | 5 | net worth falling | charge-offs p90, margin squeeze |
| 2018-06 | 4 |  | net worth falling |
| 2018-09 | 6 | capital below 7% |  |
| 2018-12 | 6 |  |  |
| 2019-03 | 4 |  | capital below 7% |
| 2019-06 | 4 |  |  |
| 2019-09 | 4 |  |  |
| 2019-12 | 4 |  |  |
| 2020-03 | 4 |  |  |
| 2020-06 | 5 | margin squeeze |  |
| 2020-09 | 7 | net worth falling, charge-offs p90 |  |
| 2020-12 | 9 | capital below 7% |  |
| 2021-03 | 10 | losing money |  |
| 2021-06 | 8 |  | net worth falling, losing money |
| 2021-09 | 6 |  | capital below 7% |
| 2021-12 | 5 |  | margin squeeze |
| 2022-03 | 5 | net worth falling | repo signal |
| 2022-06 | 6 | repo signal |  |
| 2022-09 | 3 |  | charge-offs p90, net worth falling, repo signal |
| 2022-12 | 4 | repo signal |  |
| 2023-03 | 4 | net worth falling | repo signal |
| 2023-06 | 4 | repo signal | net worth falling |
| 2023-09 | 4 | charge-offs p90 | thin capital |
| 2023-12 | 7 | losing money, delinquency rising, loans>95% of shares |  |
| 2024-03 | 5 |  | charge-offs p90, losing money |
| 2024-06 | 4 |  | loans>95% of shares |
| 2024-09 | 5 | members leaving |  |
| 2024-12 | 4 |  | members leaving |
| 2025-03 | 5 | net worth falling |  |
| 2025-06 | 5 | charge-offs p90 | net worth falling |
| 2025-09 | 4 |  | delinquency rising |
| 2025-12 | 4 |  |  |
| 2026-03 | 4 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-31 [Kerrville's bank boom continues: Security Service Federal Credit Union eyes former IHOP site - The Kerr County Lead](https://news.google.com/rss/articles/CBMiugFBVV95cUxNbVJyMl9qSE5SYVE3SV84TTFTelEwVG9zWHU5RkVsX2FKSWRwV3BNLW1yV0xZS0l1WFFGUWFNLXhUMXJ5dHhIczlPMEpIVV9UbmZpd3dxZTFzaE5WdU1wV09EbVN5OC1OWEtzSWE4RE94bmwwUXAteTdaUHBKTVpEVm9KNjhKQlUyOEdmeVhmMjJrTWRocHBLcjV5bFVteVFrRTZ3bUFoejlxZW9kdmJGU25GLW5XclFNM0E?oc=5) · The Kerr County Lead
- 2026-01-28 [Angela Hill Takes the Helm at Kerr County FCU - hccommunityjournal.com](https://news.google.com/rss/articles/CBMioAFBVV95cUxOMWFHeXVPeS1YbjFCaF9KanA2Um5MTmhBM0ZZckNldmxuVmlycVQ0TEFFS2FzS0tDczNSM3BMR3NVaW1idzhpQWhlUFVxWEJXWVhscUNmSXYwODBCbHJvR0dUdm5ma0ZLNVlxclg0blNwUVZKYy11dzkycXNzQzdzMHNhSmhOSUZtOTZrNjZlRmVRa2VjUGRkN2VpZzFPOUFX?oc=5) · hccommunityjournal.com
- 2025-12-30 [Man arrested minutes after failed bank robbery attempt - WOAI](https://news.google.com/rss/articles/CBMixwFBVV95cUxOamRHLWgxS2dOeEdQUW1CV3NoQWVpaVB5bXliaUlQZ09NS3Y1cEdHVHRzQzhaaDI5YXBOa1ItSks5X2pPb0xVczZNRGdBcnF0UHVWWThTTW9Db3JfUUlWaWVnV0VPX3djbHZHbm12ZVhzUUdneWlEZzZvbWJUZzhuLXQ5WGxTQWRDbFFORldTYS1Wa2NvNHJVSnYyZ3d2c0VVbnJvQV9EUnpoZlVXWi1YNW16OUg1NVNNeHpEZS10ckpReVhvQkFV?oc=5) · WOAI
- 2025-12-31 [Man arrested after trying to rob Hill Country credit union, police say - San Antonio Express-News](https://news.google.com/rss/articles/CBMirwFBVV95cUxOeDBjUGtYUUdIcjhicGpWMjBfaVVabTc0dzNDRG80LVF5RXFNZlBwaU5rUXhFZjVRVDhyOHVFOU9KY1V0RnI5TTYyQ3dYWTlwakJLdnFlMzlia1dJTzRyX0RzLVM4NFowMHU0ZVRMeDBvZ2FYY3FQN3RKUjNSMWJMTm5vSGxMY1JhUnRmeUVuQ3dlOHM5NEhlLUhOY2R3b0NGaG51VzkycE5lVjlKdlRZ?oc=5) · San Antonio Express-News
- 2022-11-01 [Chad Maddox Obituary Aug 10, 2006 - Kerrville Funeral Home](https://news.google.com/rss/articles/CBMibkFVX3lxTE84VVZwWTJxZkhwZ09tUFdDX3NORkwxR0g5azAzT0lIUVhXTDFiRV9MSzh6TTdwSm5pZ1V5dnNnVG90U09RRnB2cVNzT2R5SllOMjd4dWFJZTRrb2hucDQ2VDFMUVJtcng2bGpBNkNB?oc=5) · Kerrville Funeral Home
- 2025-07-08 [161 remain missing after Texas floods, Kerrville-area deaths rise to 94, Gov. Greg Abbott says - Houston Chronicle](https://news.google.com/rss/articles/CBMixAFBVV95cUxQQk55QjR4ZGpWNkFWRnJ3R2tyNHFVamdLLVZRT3V3NjNMTXhOalhXOVIySzAtSjBNbVB2T3BZNXJSbjF3a0gzUzktZExBaVpWRS1PbEl3VGRjblZ3N0hNUk01YXFFRVplT2JLLXRtd2RBbDE3X19JZGRyUFJXWEU5c1c2aTk5eUdLck8wa1liYW5tVUpWcTJsc0JzeTJnbFhzVm53YTA5SzhjOFhIVmhzc095OEl2ZnRUakVNeENIem9ZWlB3?oc=5) · Houston Chronicle
- 2025-07-08 [RBFCU warns of scammers looking to take advantage of donors following Hill Country floods - KSAT](https://news.google.com/rss/articles/CBMizgFBVV95cUxOU3ExRUdGbG1JRTdVcndCSElQb3RuVUhCUkFBYmpVYVlKUTRDS2Jlc3FRejZoYkg1QS1oWUd2SC0xY1lPUHpIdDQ0aEg2ZHFkZDZQaXU2dTcydnBodVNjTTFlZDhFMnZ4cGZhaHhOVkZ4VWVNblJGdVFlT3R3M2xNVEhjaWhITlpoTFk0LTREZkxFSXFVWkU5QXlRYXpodXRLU2F1U2ZtdzRlcHNkTVBYMjREWlJ2dTVhQmNkMy1KcWVxZGpfR29TeTRMUHNMdw?oc=5) · KSAT
- 2025-08-26 [Ferguson files for county court at law judgeship - hccommunityjournal.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxQckdnb0FQM015V05mdEtyNFVwUVQtR0RzeTJPb3hJZnZJb09KT1dDNGEtTDNTM2drV0tCcUZLRmRZQ3BtN3lydVVfa0ZtT2liUVNXRXhqX2pFeHJTNUQ2OXRyTWhmcEh6WHBySS1tMEdHVEZoSDlySnNHajBPQjhoOGY0NmdqUDR0ZE8yMA?oc=5) · hccommunityjournal.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=1558 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/22.json (key "1558", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=1558
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide