Kemba Delta

Bartlett, TN · 1 · Charter #24220 · www.kembadelta.org
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$31.0M
79th percentile
Members
5,004
98th percentile
Total loans
$10.3M
67th percentile
Total shares
$21.4M
70th percentile

Profitability

Return on assets
2.48%
96th percentile
Net interest margin
5.06%
84th percentile
Efficiency ratio
61.83%
61th percentile
Non-interest income ratio
28.31%
93th percentile

Capital & Risk

Net worth ratio
28.70%
91th percentile
Delinquency rate
2.85%
16th percentile
Net charge-off rate
1.20%
13th percentile
Loan-to-share
47.99%
31th percentile

Growth

Member growth YoY
-0.54%
60th percentile
Asset growth YoY
6.60%
82th percentile
Loan growth YoY
-16.85%
9th percentile
Share growth YoY
5.32%
77th percentile

Operations

Members / branch
5,004
99th percentile
Assets / member
$6,198
24th percentile
Field of membership penetration
37.03%
51th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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