Kemba Charleston

Dunbar, WV · 1 · Charter #108 · www.KEMBACHARLESTONFCU.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
$45.0M
96th percentile
Members
3,852
93th percentile
Total loans
$14.1M
76th percentile
Total shares
$35.4M
92th percentile

Profitability

Return on assets
0.60%
40th percentile
Net interest margin
2.90%
17th percentile
Efficiency ratio
66.14%
51th percentile
Non-interest income ratio
11.01%
56th percentile

Capital & Risk

Net worth ratio
20.21%
75th percentile
Delinquency rate
1.30%
35th percentile
Net charge-off rate
0.16%
55th percentile
Loan-to-share
39.80%
21th percentile

Growth

Member growth YoY
7.12%
95th percentile
Asset growth YoY
0.50%
45th percentile
Loan growth YoY
-8.80%
28th percentile
Share growth YoY
0.08%
47th percentile

Operations

Members / branch
3,852
97th percentile
Assets / member
$11,677
69th percentile
Field of membership penetration
12.84%
26th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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