BlastPoint's Credit Union Scorecard

KERR COUNTY

Charter #1558 · TX

1077 CUs in 100M-500M nationally 79 in TX

KERR COUNTY has 4 strengths but faces 5 concerns

National Analysis

How does the industry compare?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 28.9% in tier
+ Emerging Performer: Top 93.2% in tier
+ Net Interest Margin 1.09% above tier average
+ First Mortgage Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 2.5% in tier
- Credit Quality Pressure: Bottom 15.0% in tier
- ROA 0.26% below tier average
- Net Charge-Off Rate: Bottom 4.6% in tier
- Indirect Auto Concentration (%): Bottom 6.6% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	13,781 +2.3% YoY+0.1% QoQ	-1.8K	15,628 -3.4% YoY	26,896 +3.7% YoY	33,089 +6.1% YoY	51%
Assets	$158.7M +8.1% YoY+1.6% QoQ	$-72.6M	$231.3M -0.0% YoY	$411.3M +5.9% YoY	$547.7M +7.8% YoY	34%
Loans	$112.7M -3.3% YoY-1.7% QoQ	$-35.1M	$147.8M -1.4% YoY	$295.8M +5.3% YoY	$388.7M +8.6% YoY	43%
Deposits	$139.2M +8.2% YoY+1.6% QoQ	$-61.1M	$200.3M -0.0% YoY	$341.5M +6.1% YoY	$464.6M +9.3% YoY	35%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.5% -61.1% YoY-39.5% QoQ	-0.3%	0.8% +15.5% YoY	0.5% -24.0% YoY	0.7% +273.4% YoY	34%
NIM	4.7% +1.1% YoY+0.8% QoQ	+1.1%	3.6% +6.9% YoY	3.9% +4.3% YoY	3.7% +5.0% YoY	Top 6.0% in tier
Efficiency Ratio	75.2% +2.9% YoY-0.1% QoQ	-2.0%	77.3% -3.0% YoY	79.6% -0.9% YoY	79.1% -3.3% YoY	43%
Delinquency Rate	0.6% +49.6% YoY-9.4% QoQ	-0.3	0.9% +7.6% YoY	1.2% +20.3% YoY	1.2% -0.9% YoY	43%
Loan To Share	81.0% -10.6% YoY-3.3% QoQ	+8.3%	72.7% -1.5% YoY	71.8% -2.5% YoY	68.0% -1.7% YoY	66%
AMR	$18,277 +0.4% YoY-0.0% QoQ	$-6K	$24,363 +2.9% YoY	$17,515 +1.3% YoY	$19,418 +1.3% YoY	24%
CD Concentration	28.4% +3.6% YoY-4.8% QoQ	+4.0%	24.4% +4.2% YoY	20.9% +7.1% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	43.7% +1.3% YoY-0.7% QoQ	+29.7%	14.0% -5.7% YoY	7.2% -0.2% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#530 of 603 • Top 28.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.30%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 0.53%

(Tier: 0.77%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 43.70%

(Tier: 13.97%, National: 7.90%)

but worse than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Emerging Performer

growth

#178 of 191 • Top 93.2% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.53%

(Tier: 0.77%, National: 0.71%)

but worse than tier avg

Member Growth (YoY): 2.30%

(Tier: 0.88%, National: 9.37%)

better than tier avg

191 of 1077 Community CUs have this signature | 288 nationally

↑ Growing +20 CUs YoY | New qualifier

Concerns (2)

Indirect Auto Dependency

risk

#42 of 525 • Bottom 2.5% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 8.07%

(Tier: 4.61%, National: 3.04%)

but better than tier avg

Indirect Auto %: 43.70%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 2.30%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank improving

Credit Quality Pressure

risk

#373 of 736 • Bottom 15.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.19% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | Rank worsening

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (4 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 4.68%

Peer Avg: -

#65 of 1077 Top 5.9% in 100M-500M tier

206

Asset Growth Rate

growth

Value: 8.07%

Peer Avg: -

#206 of 1077 Top 19.0% in 100M-500M tier

210

Deposit Growth Rate

growth

Value: 8.17%

Peer Avg: -

#210 of 1077 Top 19.4% in 100M-500M tier

Top Weaknesses (4 metrics)

1028

Net Charge-Off Rate

risk

Value: 1.38%

Peer Avg: -

#1028 of 1077 Bottom 4.6% in 100M-500M tier

1007

Indirect Auto Concentration (%)

balance_sheet

Value: 43.70%

Peer Avg: -

#1007 of 1077 Bottom 6.6% in 100M-500M tier

874

Loan Growth Rate

growth

Value: -3.30%

Peer Avg: -

#874 of 1077 Bottom 18.9% in 100M-500M tier

816

Average Member Relationship (AMR)

engagement

Value: $18,277

Peer Avg: -

#816 of 1077 Bottom 24.3% in 100M-500M tier