Kemba
West Chester, OH · Charter 61810 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 14 branches
Q2 2026
$1.7BAssets
$1.4BLoans
$1.5BShares
$203.2MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 63% of credit unions $1B-$10B in assets (rank 160 of 435).
- Widest gap: net interest margin trails 81% of credit unions $1B-$10B in assets (rank 351 of 435).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.56%
Rank 322 of 435
Net Interest Margin
2.92%
Rank 351 of 435
Efficiency Ratio
77.68%
Rank 324 of 435
Equity / Assets
11.68%
Rank 160 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.56% | 0.55% | 0.81% | 1.14% | Beats 26% | 322 / 435 | |
| Return on Equity | 4.83% | 5.12% | 7.41% | 9.70% | Beats 23% | 337 / 435 | |
| Net Interest Margin | 2.92% | 3.01% | 3.39% | 3.75% | Beats 19% | 351 / 435 | |
| Efficiency Ratio | 77.68% | 65.25% | 71.39% | 77.86% | Beats 26% | 324 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.85% | 0.45% | 0.69% | 1.05% | Beats 37% | 276 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.68% | 9.81% | 10.84% | 12.63% | Beats 63% | 160 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.68% | 9.81% | 10.84% | 12.63% | Beats 63% | 160 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 94.12% | 78.33% | 88.38% | 95.61% | 71st pctl | 126 / 435 | |
| Loans / Assets | 81.92% | 67.69% | 74.58% | 80.80% | 81st pctl | 81 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |