Kerr County Federal Credit Union

Headquarters: Kerrville, Texas
Charter: Credit Union
Assets: $156.2M
Fed district: Dallas
Regulator: NCUA

16 published fees; none has a market median to compare yet.

Source: its fee schedule, read Nov 4, 2026.

Overview

Total assets
Q2 2026, quarter end
NCUA 5300 call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee income
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee-income share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Nov 4, 2026

How these figures are measured

Call-report figures are for Kerr County Federal Credit Union, from NCUA 5300 call reports. Revenue is interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	NCUA 5300 call report Account 010	Q2 2026 Quarter ended Jun 30, 2026	Oct 20, 2026
Revenue	Revenue (interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	NCUA 5300 call report Account 115 + Account 117	Q2 2026 Quarter ended Jun 30, 2026	Oct 20, 2026
Fee income	Fee income (NCUA 5300 Account 131) Standalone quarter: year to date less the prior quarter (Q1 as filed)	NCUA 5300 call report Account 131	Q2 2026 Quarter ended Jun 30, 2026	Oct 20, 2026
Fee-income share of revenue	Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income) Shown when at least 10 credit unions of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Kerr County Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Nov 4, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Kerr County Federal Credit Union (credit union)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

What stands out

Fee income was $430K in Q2 2026, 1.6% below the same quarter a year earlier ($437K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Kerr County Federal Credit Union: $30
Kerr County Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Kerr County Federal Credit Union: $30
Kerr County Federal Credit Union: $30
U.S. median: no median
Non-Network ATM
Kerr County Federal Credit Union: $1
Kerr County Federal Credit Union: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 4, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Texas, the Dallas district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Texas: Banks and credit unions headquartered in Texas that publish the fee.
Dallas district: Banks and credit unions headquartered in the Dallas Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Fee income fell 2.9% from Q3 2025 to Q2 2026, to $430K.

Fee income, Q2 2026

$430K

$443KQ3 2025

$470KQ4 2025

$436KQ1 2026

$430KQ2 2026

Against the median

Kerr County Federal Credit UnionMedian

Sources and open questions

NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.

Which fees make up most of fee income, and has that mix changed?

Among its peers

Kerr County Federal Credit Union · $156M in assets

The 25 credit unions closest in assets

Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 20 states.

Credit unions only
$152M to $160M in assets
Headquartered in 20 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Kerr County Federal Credit Union(this institution)	Kerrville, TX	$156M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
4U Federal Credit Union	Gainesville, TX	$156M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Affinity Federal Credit Union	Des Moines, IA	$154M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Arapahoe Federal Credit Union	Littleton, CO	$154M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Arc Federal Credit Union	Altoona, PA	$154M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Best Financial Federal Credit Union	Muskegon, MI	$154M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Bfg Federal Credit Union	Akron, OH	$160M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Chocolate Bayou Community Federal Credit Union	Alvin, TX	$158M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Citymark Federal Credit Union	Plains, PA	$152M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Family Federal Credit Union	Henryetta, OK	$154M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Green Country Federal Credit Union	Sand Springs, OK	$155M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Green Mountain Federal Credit Union	South Burlington, VT	$152M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Harbor Pointe Federal Credit Union	Duluth, MN	$158M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Hartford Federal Credit Union	Hartford, CT	$160M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Hello Federal Credit Union	Panama City, FL	$160M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Horizon Federal Credit Union	Williamsport, PA	$152M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Mountaincrest Federal Credit Union	Arlington, WA	$153M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Natco Federal Credit Union	Richmond, IN	$154M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Nova Ua Federal Credit Union	Clifton, NJ	$156M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Power Federal Credit Union	Pueblo, CO	$156M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
R G Federal Credit Union	Raymore, MO	$154M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Shoreline Federal Credit Union	Two Rivers, WI	$160M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Star USA Federal Credit Union	Charleston, WV	$153M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Trailhead Federal Credit Union	Portland, OR	$156M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Trius Federal Credit Union	Kearney, NE	$152M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Ukrainian National Federal Credit Union	New York, NY	$155M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 8 publish this fee(monthly maintenance)

17 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Kerr County Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $5 among 8 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026.

Monthly maintenance fee in dollars, one mark per institution

Kerr County Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.

Kerr County Federal Credi…Peer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Kerr County Federal Credit Union (credit union). Income lines are standalone quarters.

Measure

Fee income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $430K
vs prior quarter: −$6K−1.4%; from Q1 2026
vs a year earlier: −$7K−1.6%; from Q2 2025
vs start of range: +$4K+0.9%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Kerr County Federal Credit Union (credit union)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$430K	−$6K	−1.4%
Q1 2026	$436K	−$34K	−7.2%
Q4 2025	$470K	+$27K	+6.1%
Q3 2025	$443K	+$6K	+1.4%
Q2 2025	$437K	$0	0.0%
Q1 2025	$437K	−$3K	−0.7%
Q4 2024	$440K	+$14K	+3.3%
Q3 2024	$426K	+$19K	+4.7%

Fee-income share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Kerr County Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Account Closure$5
Dormant Account$5
per month
Account Reconcillation/Research$25
Not compared: Charged per hour; comparison unavailable
per hour · Account Reconcillation/Research | $25.00/Hour
Money Market – Excessive Withdrawal$25
Special Share – Excessive Withdrawal$25
Returned Mail$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Overdraft Privilege$30
per item
NSF$30
per item

ATM & Card

Foreign ATM$1

Wire Transfers

Wire Transfer (Outgoing)$30
per item

Check Services

Cashier’s Check$3
per item
Teller’s Check$1
per item
Money Order$1
per item
Stop Payment$25
per item
Temporary Checks$3
per item · per twelve checks
Official Check Copy$5
per item
Share Draft Copy/ Photocopy$2
per item

Cash & Deposit

Deposit Item Return$15
per item

Lending Fees

Loan Pmt. Late Fee$30

Other Fees

Fax$3
Statement Copy$5
per item
Loan Payment Made by ACH: Online$2
Loan Payment Made by Debit Card: Online$3
Nonmember Loan Application$5
Skip Payment/Extension$25

Fee	Amount	Basis	Note
Account Maintenance
Account Closure	$5	Not stated	None
Dormant Account	$5	per month	None
Account Reconcillation/Research	$25Not compared: Charged per hour; comparison unavailable	per hour	Account Reconcillation/Research \| $25.00/Hour
Money Market – Excessive Withdrawal	$25	Not stated	None
Special Share – Excessive Withdrawal	$25	Not stated	None
Returned Mail	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Overdraft Privilege	$30	per item	None
NSF	$30	per item	None
ATM & Card
Foreign ATM	$1	Not stated	None
Wire Transfers
Wire Transfer (Outgoing)	$30	per item	None
Check Services
Cashier’s Check	$3	per item	None
Teller’s Check	$1	per item	None
Money Order	$1	per item	None
Stop Payment	$25	per item	None
Temporary Checks	$3	per item	per twelve checks
Official Check Copy	$5	per item	None
Share Draft Copy/ Photocopy	$2	per item	None
Cash & Deposit
Deposit Item Return	$15	per item	None
Lending Fees
Loan Pmt. Late Fee	$30	Not stated	None
Other Fees
Fax	$3	Not stated	None
Statement Copy	$5	per item	None
Loan Payment Made by ACH: Online	$2	Not stated	None
Loan Payment Made by Debit Card: Online	$3	Not stated	None
Nonmember Loan Application	$5	Not stated	None
Skip Payment/Extension	$25	Not stated	None

Account Maintenance

Account Closure$5
Dormant Account$5
per month
Account Reconcillation/Research$25
Not compared: Charged per hour; comparison unavailable
per hour · Account Reconcillation/Research | $25.00/Hour
Money Market – Excessive Withdrawal$25
Special Share – Excessive Withdrawal$25
Returned Mail$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Overdraft Privilege$30
per item
NSF$30
per item

ATM & Card

Foreign ATM$1

Wire Transfers

Wire Transfer (Outgoing)$30
per item

Check Services

Cashier’s Check$3
per item
Teller’s Check$1
per item
Money Order$1
per item
Stop Payment$25
per item
Temporary Checks$3
per item · per twelve checks
Official Check Copy$5
per item
Share Draft Copy/ Photocopy$2
per item

Cash & Deposit

Deposit Item Return$15
per item

Lending Fees

Loan Pmt. Late Fee$30

Other Fees

Fax$3
Statement Copy$5
per item
Business Loan Application$50
Loan Payment Made by ACH: Online$2
Loan Payment Made by Debit Card: Online$3
Nonmember Loan Application$5
Skip Payment/Extension$25

Fee	Amount	Basis	Note
Account Maintenance
Account Closure	$5	Not stated	None
Dormant Account	$5	per month	None
Account Reconcillation/Research	$25Not compared: Charged per hour; comparison unavailable	per hour	Account Reconcillation/Research \| $25.00/Hour
Money Market – Excessive Withdrawal	$25	Not stated	None
Special Share – Excessive Withdrawal	$25	Not stated	None
Returned Mail	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Overdraft Privilege	$30	per item	None
NSF	$30	per item	None
ATM & Card
Foreign ATM	$1	Not stated	None
Wire Transfers
Wire Transfer (Outgoing)	$30	per item	None
Check Services
Cashier’s Check	$3	per item	None
Teller’s Check	$1	per item	None
Money Order	$1	per item	None
Stop Payment	$25	per item	None
Temporary Checks	$3	per item	per twelve checks
Official Check Copy	$5	per item	None
Share Draft Copy/ Photocopy	$2	per item	None
Cash & Deposit
Deposit Item Return	$15	per item	None
Lending Fees
Loan Pmt. Late Fee	$30	Not stated	None
Other Fees
Fax	$3	Not stated	None
Statement Copy	$5	per item	None
Business Loan Application	$50	Not stated	None
Loan Payment Made by ACH: Online	$2	Not stated	None
Loan Payment Made by Debit Card: Online	$3	Not stated	None
Nonmember Loan Application	$5	Not stated	None
Skip Payment/Extension	$25	Not stated	None

Correct a fee source

Nov 4, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Fee change alerts

Get an email when Kerr County Federal Credit Union's monthly maintenance changes in our data

We check once a day and send one email covering every change.