Kemba Credit Union
Total assets
$1.78B
▲ +0.5% YoY
Shares & deposits
$1.54B
▲ +1.5% YoY
Loans
$1.41B
▲ +3.1% YoY
Members
130,955
▲ +1.2% YoY
ROA (annualized)
0.51%
peers 0.71%
ROE (annualized)
4.49%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | Kemba Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.5% | +5.1% | -4.7 pts |
| Share growth (YoY) | +1.5% | +4.9% | -3.4 pts |
| Loan growth (YoY) | +3.1% | +5.4% | -2.4 pts |
| ROA | 0.51% | 0.71% | -0.2 pts |
| ROE | 4.5% | 6.3% | -1.8 pts |
ROA ranks in the 31st percentile of its peer group · Q1 2026
Profile
- Established
- 1934
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 5600 Chappell Crossing Blvd, West Chester, OH, 45069
- NCUA charter #
- 61810
- RSSD ID
- 704492
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.78B | $1.54B | $1.41B | $200.5M | $2.3M | 0.51% | 2.82% | 0.76% | 130,955 |
| Q4 2025 | $1.75B | $1.51B | $1.43B | $198.3M | $8.5M | 0.49% | 2.77% | 0.81% | 130,656 |
| Q3 2025 | $1.73B | $1.48B | $1.42B | $195.7M | $6.1M | 0.47% | 2.73% | 0.85% | 130,227 |
| Q2 2025 | $1.73B | $1.48B | $1.36B | $193.6M | $3.9M | 0.45% | 2.66% | 0.71% | 128,868 |
| Q1 2025 | $1.77B | $1.52B | $1.37B | $191.2M | $1.5M | 0.34% | 2.53% | 0.62% | 129,373 |
| Q4 2024 | $1.81B | $1.46B | $1.39B | $189.7M | $10.2M | 0.57% | 2.29% | 0.70% | 129,745 |
| Q3 2024 | $1.73B | $1.38B | $1.43B | $188.7M | $9.2M | 0.71% | 2.35% | 0.47% | 130,030 |
| Q2 2024 | $1.71B | $1.35B | $1.43B | $185.7M | $7.1M | 0.83% | 2.32% | 0.36% | 129,950 |
Loan mix (Q1 2026): real estate $594.6M · commercial $198.6M · consumer $544.3M · securities $12.9M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Kemba Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.51% | 0.71% | 31th | |
Return on equity Annualized net income ÷ equity or net worth | 4.5% | 6.3% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.82% | 3.32% | 19th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.8% | 73.0% | 69th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Kemba Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Kemba Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Kemba Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Kemba Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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