PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Kemba

West Chester, OH · Charter 61810

NCUA · 14 branches

Q2 2026

$1.7BAssets
$1.4BLoans
$1.5BShares
$203.2MNet 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 0.56%, up 11 bps year over year; NIM at 2.92%.
  • Asset quality: problem loans at 0.85% of loans (+14 bps YoY).
  • Capital: net worth / assets of 11.68%, up 47 bps from a year ago.
  • Funding: loans stand at 94.12% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.56%+11 bps YoY

Net Interest Margin (YTD, annualized)

2.92%+26 bps YoY

Efficiency Ratio (YTD, annualized)

77.68%+237 bps YoY

Net Worth / Assets

11.68%+47 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.45%0.47%0.49%0.51%0.56%+11 bps
Return on Equity4.03%4.13%4.30%4.49%4.83%+80 bps
Net Interest Margin2.66%2.73%2.77%2.82%2.92%+26 bps
Efficiency Ratio75.30%74.77%74.00%77.77%77.68%+237 bps
Growth
Asset Growth (YoY)1.04%-0.06%-3.24%0.46%0.72%-31 bps
Loan Growth (YoY)-5.26%-1.33%2.62%3.08%5.05%+1,031 bps
Share Growth (YoY)9.68%7.53%3.92%1.50%2.02%-766 bps
Asset Quality
Delinquent Loans / Loans0.71%0.85%0.81%0.76%0.85%+14 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 Capital11.21%11.32%11.33%11.27%11.68%+47 bps
Net Worth / Assets11.21%11.32%11.33%11.27%11.68%+47 bps
Liquidity & Funding
Loans / Shares91.40%95.50%94.48%91.73%94.12%+272 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps