TellerScore

Headquartered in Dunbar, West Virginia, Kemba Charleston Federal Credit Union is a federal credit union with $44.7M in total assets and $35.1M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1935.

Kemba Charleston Federal Credit Union has a TellerScore of 81 out of 100 (strong) based on Q2 2026 data — higher than 68% of its 2,479 credit unions with under $100 million in assets. Among 74 credit unions headquartered in West Virginia, it ranks 26th. Capital cushion contributes the most (100/100, 20.64%); earnings contributes the least (46/100, 0.64%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 20.64%
Loan quality67/100
Loans 60+ days delinquent ÷ total loans: 1.00%
Earnings46/100
Return on assets (annualized): 0.64%
Funding & liquidity100/100
Loans ÷ shares: 39.0% · 3.4% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.49%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 3 points (78 → 81), mostly because the loan quality component improved by 7 points.

TellerScore
778184Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202484
Q3 202484
Q4 202481
Q1 202584
Q2 202578
Q3 202579
Q4 202577
Q1 202684
Q2 202681
Net worth ratio
7.00%13.82%20.64%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202419.57%
Q3 202419.91%
Q4 202419.73%
Q1 202519.66%
Q2 202519.94%
Q3 202520.13%
Q4 202520.21%
Q1 202620.01%
Q2 202620.64%
Delinquent loans (60+ days)
0.44%0.87%1.30%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.97%
Q3 20240.85%
Q4 20241.05%
Q1 20250.44%
Q2 20251.21%
Q3 20251.20%
Q4 20251.30%
Q1 20260.49%
Q2 20261.00%
Return on assets
0.41%0.73%1.05%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.05%
Q3 20240.96%
Q4 20240.79%
Q1 20250.41%
Q2 20250.51%
Q3 20250.65%
Q4 20250.58%
Q1 20260.53%
Q2 20260.64%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202681$44.7M20.64%1.00%0.64%39.0%
Q1 202684$45.7M20.01%0.49%0.53%37.7%
Q4 202577$45.0M20.21%1.30%0.58%39.8%
Q3 202579$45.0M20.13%1.20%0.65%41.6%
Q2 202578$44.8M19.94%1.21%0.51%41.8%
Q1 202584$45.1M19.66%0.44%0.41%42.4%
Q4 202481$44.8M19.73%1.05%0.79%43.7%
Q3 202484$44.2M19.91%0.85%0.96%47.1%
Q2 202484$44.5M19.57%0.97%1.05%48.5%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio20.64%
79th
Problem loans1.00%
39th
Net charge-offs0.15%
52nd
Return on assets0.64%
50th
Loans to deposits39.0%
79th
Uninsured deposits3.4%
33rd
Loan-loss reserves0.00%
37th
Texas ratio1.5%
59th

Similar-size credit unions in West Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
Hope Federal Credit UnionCredit union Bridgeport, WV89 out of 100, Very strong$43.3M19.9%0.38%vs
Huntingtonized Federal Credit UnionCredit union Huntington, WV70 out of 100, Strong$46.7M16.8%2.16%vs
Mountain Heritage Federal Credit UnionCredit union Parkersburg, WV54 out of 100, Below average$47.0M14.5%3.24%vs
Element Federal Credit UnionCredit union Charleston, WV76 out of 100, Strong$47.3M21.8%1.38%vs
Home Federal Credit UnionCredit union Clarksburg, WV77 out of 100, Strong$38.4M14.3%0.89%vs
Wv National Guard Federal Credit UnionCredit union Charleston, WV98 out of 100, Very strong$51.6M14.8%0.00%vs

Deposit insurance

Is my money safe at Kemba Charleston Federal Credit Union?

Yes. Kemba Charleston Federal Credit Union is a federally insured credit union (NCUA charter #108). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 3.4% of shares and deposits ($1.2M) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 20.64%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Kemba Charleston Federal Credit Union lists 1 office in 1 city. Most locations:

  • Dunbar, WV (1)

All branch addresses and map

Identity & history

Profile

Legal name
Kemba Charleston Federal Credit Union
Type
Federal credit union
NCUA charter #
108
RSSD ID
886772
Primary regulator
NCUA
Established
1935
Headquarters
1830 Roxalana Road, Dunbar, WV 25064
Employees
8

Quick answers

Kemba Charleston Federal Credit Union: common questions

Is Kemba Charleston Federal Credit Union NCUA insured?

Yes. Kemba Charleston Federal Credit Union is a federally insured credit union (NCUA charter #108). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Kemba Charleston Federal Credit Union's TellerScore?

81 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Kemba Charleston Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Dunbar

InstitutionScoreAssetsCapitalProblem loansCompare
Putnam School Employees Federal Credit UnionCredit union Eleanor, WV99 out of 100, Very strong$14.1M21.0%0.14%vs
Camc Federal Credit UnionCredit union Charleston, WV98 out of 100, Very strong$80.3M28.3%0.01%vs
Wv National Guard Federal Credit UnionCredit union Charleston, WV98 out of 100, Very strong$51.6M14.8%0.00%vs
The State Credit UnionCredit union Charleston, WV90 out of 100, Very strong$95.3M19.1%0.25%vs
West Virginia Federal Credit UnionCredit union South Charlesto, WV88 out of 100, Very strong$141.6M18.5%0.74%vs
Charleston Federal Credit UnionCredit union Charleston, WV88 out of 100, Very strong$15.5M14.8%0.75%vs