Kemba Louisville

Louisville, KY · 2 · Charter #62358 · www.kembaky.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
$59.0M
10th percentile
Members
4,034
14th percentile
Total loans
$12.4M
1th percentile
Total shares
$46.5M
6th percentile

Profitability

Return on assets
1.12%
56th percentile
Net interest margin
3.90%
64th percentile
Efficiency ratio
64.17%
46th percentile
Non-interest income ratio
10.50%
17th percentile

Capital & Risk

Net worth ratio
20.62%
94th percentile
Delinquency rate
2.68%
5th percentile
Net charge-off rate
2.15%
2th percentile
Loan-to-share
26.76%
2th percentile

Growth

Member growth YoY
-4.32%
15th percentile
Asset growth YoY
1.20%
28th percentile
Loan growth YoY
-9.25%
7th percentile
Share growth YoY
1.23%
32th percentile

Operations

Members / branch
4,034
70th percentile
Assets / member
$14,618
51th percentile
Field of membership penetration
20.17%
70th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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