Kemba

West Chester, OH · 2 · Charter #61810 · www.kemba.com
Mid ($1B–$10B)Reporting period: Q4 2025Peer group: 446 CUs

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$1.7B
41th percentile
Members
130,656
56th percentile
Total loans
$1.4B
48th percentile
Total shares
$1.5B
40th percentile

Profitability

Return on assets
0.81%
37th percentile
Net interest margin
2.77%
24th percentile
Efficiency ratio
44.67%
77th percentile
Non-interest income ratio
14.36%
23th percentile

Capital & Risk

Net worth ratio
11.33%
61th percentile
Delinquency rate
0.81%
44th percentile
Net charge-off rate
0.46%
54th percentile
Loan-to-share
98.07%
76th percentile

Growth

Member growth YoY
0.70%
31th percentile
Asset growth YoY
-3.24%
4th percentile
Loan growth YoY
2.62%
33th percentile
Share growth YoY
7.06%
65th percentile

Operations

Members / branch
9,333
69th percentile
Assets / member
$13,391
9th percentile
Field of membership penetration
3.87%
39th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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