Kemba Financial

Gahanna, OH · 2 · Charter #61623 · www.kemba.org
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
$2.4B
56th percentile
Members
138,781
59th percentile
Total loans
$1.8B
59th percentile
Total shares
$1.9B
52th percentile

Profitability

Return on assets
1.39%
77th percentile
Net interest margin
3.51%
70th percentile
Efficiency ratio
46.29%
72th percentile
Non-interest income ratio
18.06%
47th percentile

Capital & Risk

Net worth ratio
12.35%
75th percentile
Delinquency rate
0.61%
62th percentile
Net charge-off rate
0.58%
42th percentile
Loan-to-share
98.00%
75th percentile

Growth

Member growth YoY
3.77%
65th percentile
Asset growth YoY
6.63%
59th percentile
Loan growth YoY
7.36%
64th percentile
Share growth YoY
6.09%
58th percentile

Operations

Members / branch
10,675
78th percentile
Assets / member
$17,487
45th percentile
Field of membership penetration
9.00%
65th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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