Kemba Roanoke

SALEM, VA · 1 · Charter #107 · WWW.KEMBAFCU.ORG
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$75.7M
27th percentile
Members
4,718
22th percentile
Total loans
$23.4M
7th percentile
Total shares
$64.3M
27th percentile

Profitability

Return on assets
0.78%
33th percentile
Net interest margin
3.07%
20th percentile
Efficiency ratio
62.72%
50th percentile
Non-interest income ratio
15.77%
42th percentile

Capital & Risk

Net worth ratio
16.27%
83th percentile
Delinquency rate
1.33%
22th percentile
Net charge-off rate
0.68%
20th percentile
Loan-to-share
36.34%
6th percentile

Growth

Member growth YoY
-2.90%
25th percentile
Asset growth YoY
2.44%
38th percentile
Loan growth YoY
-1.93%
32th percentile
Share growth YoY
4.05%
56th percentile

Operations

Members / branch
2,359
32th percentile
Assets / member
$16,055
63th percentile
Field of membership penetration
23.59%
73th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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