Kemba Financial Credit Union
Total assets
$2.42B
▲ +3.4% YoY
Shares & deposits
$2.03B
▲ +4.4% YoY
Loans
$1.84B
▲ +6.4% YoY
Members
140,458
▲ +3.8% YoY
ROA (annualized)
0.99%
peers 0.71%
ROE (annualized)
7.83%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.4% | +5.1% | -1.7 pts |
| Share growth (YoY) | +4.4% | +4.9% | -0.4 pts |
| Loan growth (YoY) | +6.4% | +5.4% | +0.9 pts |
| ROA | 0.99% | 0.71% | +0.3 pts |
| ROE | 7.8% | 6.3% | +1.5 pts |
ROA ranks in the 74th percentile of its peer group · Q1 2026
Profile
- Established
- 1933
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- Po Box 307370, Gahanna, OH, 43230
- NCUA charter #
- 61623
- RSSD ID
- 31291
- 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 | $2.42B | $2.03B | $1.84B | $305.6M | $6.0M | 0.99% | 3.64% | 0.61% | 140,458 |
| Q4 2025 | $2.43B | $2.01B | $1.82B | $299.6M | $23.8M | 0.98% | 3.51% | 0.61% | 138,781 |
| Q3 2025 | $2.36B | $1.95B | $1.81B | $294.2M | $16.5M | 0.93% | 3.57% | 0.63% | 137,293 |
| Q2 2025 | $2.36B | $1.95B | $1.77B | $288.2M | $10.5M | 0.89% | 3.51% | 0.52% | 136,651 |
| Q1 2025 | $2.34B | $1.94B | $1.73B | $282.1M | $4.4M | 0.76% | 3.47% | 0.39% | 135,334 |
| Q4 2024 | $2.28B | $1.91B | $1.70B | $277.7M | $18.0M | 0.79% | 3.28% | 0.52% | 133,740 |
| Q3 2024 | $2.28B | $1.92B | $1.67B | $274.3M | $12.7M | 0.74% | 3.22% | 0.49% | 133,042 |
| Q2 2024 | $2.25B | $1.90B | $1.65B | $269.5M | $7.8M | 0.70% | 3.15% | 0.48% | 132,228 |
Loan mix (Q1 2026): real estate $614.7M · commercial $260.5M · consumer $933.2M · securities $398.0M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.99% | 0.71% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 7.8% | 6.3% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.64% | 3.32% | 72th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.4% | 73.0% | 24th | |
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 | Value | 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 | Value | 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 | Value | 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 | Value | 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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