Kemba Financial
Gahanna, OH · Charter 61623 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 12 branches
Q2 2026
$2.5BAssets
$1.9BLoans
$2.1BShares
$311.1MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 74% of credit unions $1B-$10B in assets (rank 112 of 435).
- Widest gap: return on equity trails 51% of credit unions $1B-$10B in assets (rank 220 of 435).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
0.93%
Rank 168 of 435
Net Interest Margin
3.67%
Rank 130 of 435
Efficiency Ratio
66.53%
Rank 128 of 435
Equity / Assets
12.57%
Rank 112 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.93% | 0.55% | 0.81% | 1.14% | Beats 61% | 168 / 435 | |
| Return on Equity | 7.36% | 5.12% | 7.41% | 9.70% | Beats 49% | 220 / 435 | |
| Net Interest Margin | 3.67% | 3.01% | 3.39% | 3.75% | Beats 70% | 130 / 435 | |
| Efficiency Ratio | 66.53% | 65.25% | 71.39% | 77.86% | Beats 71% | 128 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.58% | 0.45% | 0.69% | 1.05% | Beats 62% | 166 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.57% | 9.81% | 10.84% | 12.63% | Beats 74% | 112 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.57% | 9.81% | 10.84% | 12.63% | Beats 74% | 112 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 92.41% | 78.33% | 88.38% | 95.61% | 63rd pctl | 163 / 435 | |
| Loans / Assets | 76.86% | 67.69% | 74.58% | 80.80% | 58th pctl | 182 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |