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Kemba Financial

Gahanna, OH · Charter 61623

NCUA · 12 branches

Q2 2026

$2.5BAssets
$1.9BLoans
$2.1BShares
$311.1MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.93%, up 4 bps year over year; NIM at 3.67%.
  • Asset quality: problem loans at 0.58% of loans (+5 bps YoY).
  • Capital: net worth / assets of 12.57%, up 38 bps from a year ago.
  • Funding: loans stand at 92.41% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.93%+4 bps YoY

Net Interest Margin (quarter, annualized)

3.67%+16 bps YoY

Efficiency Ratio (quarter, annualized)

66.53%-120 bps YoY

Net Worth / Assets

12.57%+38 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.89%0.93%0.98%0.99%0.93%+4 bps
Return on Equity7.27%7.47%7.95%7.83%7.36%+9 bps
Net Interest Margin3.51%3.57%3.51%3.64%3.67%+16 bps
Efficiency Ratio67.73%67.83%66.55%66.42%66.53%-120 bps
Growth
Asset Growth (YoY)5.02%3.67%6.63%3.42%4.69%-34 bps
Loan Growth (YoY)7.39%8.62%7.36%6.36%7.59%+20 bps
Share Growth (YoY)2.99%1.37%5.36%4.44%5.32%+233 bps
Asset Quality
Delinquent Loans / Loans0.52%0.63%0.61%0.61%0.58%+5 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.19%12.46%12.35%12.64%12.57%+38 bps
Net Worth / Assets12.19%12.46%12.35%12.64%12.57%+38 bps
Liquidity & Funding
Loans / Shares90.47%92.98%90.80%90.75%92.41%+195 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps