BlastPoint's Credit Union Scorecard

KERR COUNTY

Charter #1558 · TX

1069 CUs in 100M-500M nationally 79 in TX

KERR COUNTY has 4 strengths but faces 6 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 90.2% in tier
+ Emerging Performer: Top 93.4% in tier
+ Net Interest Margin 1.17% above tier average
+ First Mortgage Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 35.2% in tier
- Credit Quality Pressure: Bottom 47.9% in tier
- Shrinking Wallet Share: Bottom 66.2% in tier
- ROA 0.04% below tier average
- Net Charge-Off Rate: Bottom 5.7% in tier
- Indirect Auto Concentration (%): Bottom 6.1% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	13,789 +1.5% YoY+0.1% QoQ	-1.6K	15,437 -2.9% YoY	27,007 +3.4% YoY	33,374 +5.7% YoY	52%
Assets	$155.8M +3.6% YoY-1.9% QoQ	$-76.1M	$231.9M +1.3% YoY	$418.5M +7.2% YoY	$561.6M +9.7% YoY	33%
Loans	$112.7M -4.1% YoY-0.0% QoQ	$-34.7M	$147.3M -0.1% YoY	$298.6M +5.4% YoY	$397.0M +8.8% YoY	43%
Deposits	$136.3M +3.0% YoY-2.1% QoQ	$-64.5M	$200.8M +0.8% YoY	$347.2M +7.2% YoY	$477.3M +9.7% YoY	34%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.7% -39.9% YoY+35.8% QoQ	-0.0%	0.8% +18.2% YoY	0.6% +2.3% YoY	0.7% +15.9% YoY	46%
NIM	4.8% +4.6% YoY+2.2% QoQ	+1.2%	3.6% +6.7% YoY	3.9% +3.4% YoY	3.8% +5.1% YoY	Top 4.7% in tier
Efficiency Ratio	73.2% -0.8% YoY-2.7% QoQ	-3.8%	77.0% -3.1% YoY	80.2% -0.8% YoY	79.7% -3.3% YoY	34%
Delinquency Rate	0.7% +41.5% YoY+28.9% QoQ	-0.2	0.9% +4.2% YoY	1.3% +11.4% YoY	1.3% -2.1% YoY	52%
Loan To Share	82.7% -6.9% YoY+2.1% QoQ	+10.5%	72.2% -1.1% YoY	71.4% -2.7% YoY	67.4% -1.7% YoY	71%
AMR	$18,056 -1.8% YoY-1.2% QoQ	$-7K	$24,676 +3.4% YoY	$17,599 +2.5% YoY	$19,687 +2.0% YoY	22%
CD Concentration	26.9% -7.1% YoY-5.2% QoQ	+2.5%	24.4%	21.2%	19.8%	50%
Indirect Auto %	43.7% +0.5% YoY+0.1% QoQ	+29.9%	13.8%	7.1%	7.8%	50%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#537 of 595 • Top 90.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.49%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.72%

(Tier: 0.75%, National: 0.67%)

but worse than tier avg

Indirect Auto %: 43.73%

(Tier: 13.79%, National: 7.78%)

but worse than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Emerging Performer

growth

#170 of 182 • Top 93.4% 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: 0.72%

(Tier: 0.75%, National: 0.67%)

but worse than tier avg

Member Growth (YoY): 1.49%

(Tier: 0.69%, National: 4.32%)

better than tier avg

182 of 1069 Mid-Small & Community CUs have this signature | 282 nationally

→ No prior data (182 CUs now) | New qualifier

Concerns (3)

Indirect Auto Dependency

risk

#179 of 506 • Bottom 35.2% in tier

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

Why This Signature

Asset Growth (YoY): 3.58%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 43.73%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): 1.49%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#338 of 705 • Bottom 47.9% in tier

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

Why This Signature

Delinquency Change (YoY): 0.22% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank worsening

Shrinking Wallet Share

decline

#138 of 208 • Bottom 66.2% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -1.79%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

208 of 1069 Mid-Small & Community CUs have this signature | 303 nationally

↓ Shrinking -190 CUs YoY | New qualifier

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 1069 peers in tier

Top Strengths (2 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 4.78%

Peer Median: -

#50 of 1069 Top 4.6% in 100M-500M tier

Top Weaknesses (5 metrics)

1009

Net Charge-Off Rate

risk

Value: 1.39%

Peer Median: -

#1009 of 1069 Bottom 5.7% in 100M-500M tier

1005

Indirect Auto Concentration (%)

balance_sheet

Value: 43.73%

Peer Median: -

#1005 of 1069 Bottom 6.1% in 100M-500M tier

954

AMR Growth Rate

growth

Value: -1.79%

Peer Median: -

#954 of 1069 Bottom 10.9% in 100M-500M tier

917

Loan Growth Rate

growth

Value: -4.12%

Peer Median: -

#917 of 1069 Bottom 14.3% in 100M-500M tier

837

Average Member Relationship (AMR)

engagement

Value: $18,056

Peer Median: -

#837 of 1069 Bottom 21.8% in 100M-500M tier