TellerScore

Headquartered in West Chester, Ohio, Kemba Credit Union is a federally insured state-chartered credit union with $1.7B in total assets and $1.5B in member shares and deposits as of Q2 2026. It operates 12 offices across 3 states. Its charter dates back to 1934.

Based on its Q2 2026 filing, Kemba Credit Union scores 65/100, which we describe as moderate. That is higher than only 41% of 454 credit unions with $1 billion – $10 billion. Among 192 credit unions headquartered in Ohio, it ranks 124th. Its strongest component is problem-loan coverage (87/100; 6.7%), and its lowest is earnings (43/100; 0.56%).

TellerScore · Q2 2026

Scorecard

Capital cushion67/100
Net worth ratio: 11.68%
Loan quality72/100
Loans 60+ days delinquent ÷ total loans: 0.85%
Earnings43/100
Return on assets (annualized): 0.56%
Funding & liquidity66/100
Loans ÷ shares: 94.1% · 7.0% uninsured
Problem-loan coverage87/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.75%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (64 → 65).

TellerScore
636668Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202466
Q4 202463
Q1 202563
Q2 202564
Q3 202563
Q4 202564
Q1 202665
Q2 202665
Net worth ratio
7.00%9.34%11.68%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.86%
Q3 202410.91%
Q4 202410.49%
Q1 202510.80%
Q2 202511.21%
Q3 202511.32%
Q4 202511.33%
Q1 202611.27%
Q2 202611.68%
Delinquent loans (60+ days)
0.36%0.61%0.85%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.36%
Q3 20240.47%
Q4 20240.70%
Q1 20250.62%
Q2 20250.71%
Q3 20250.85%
Q4 20250.81%
Q1 20260.76%
Q2 20260.85%
Return on assets
0.34%0.59%0.83%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.83%
Q3 20240.71%
Q4 20240.57%
Q1 20250.34%
Q2 20250.45%
Q3 20250.47%
Q4 20250.49%
Q1 20260.51%
Q2 20260.56%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202665$1.7B11.68%0.85%0.56%94.1%
Q1 202665$1.8B11.27%0.76%0.51%91.7%
Q4 202564$1.7B11.33%0.81%0.49%94.5%
Q3 202563$1.7B11.32%0.85%0.47%95.5%
Q2 202564$1.7B11.21%0.71%0.45%91.4%
Q1 202563$1.8B10.80%0.62%0.34%90.3%
Q4 202463$1.8B10.49%0.70%0.57%95.7%
Q3 202466$1.7B10.91%0.47%0.71%104.1%
Q2 202468$1.7B10.86%0.36%0.83%105.8%

454 peers · $1 billion – $10 billion

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 ratio11.68%
64th
Problem loans0.85%
36th
Net charge-offs0.46%
57th
Return on assets0.56%
27th
Loans to deposits94.1%
29th
Uninsured deposits7.0%
72nd
Loan-loss reserves0.00%
50th
Texas ratio6.7%
30th

Similar-size credit unions in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
Superior Credit Union, IncCredit union Lima, OH94 out of 100, Very strong$2.0B15.2%0.20%vs
Directions Credit UnionCredit union Toledo, OH68 out of 100, Moderate$1.4B9.7%0.37%vs
Telhio Credit UnionCredit union Columbus, OH44 out of 100, Below average$1.4B9.7%2.01%vs
Seven Seventeen Credit UnionCredit union Warren, OH64 out of 100, Moderate$2.2B12.5%1.26%vs
Kemba Financial Credit UnionCredit union Gahanna, OH74 out of 100, Strong$2.5B12.6%0.58%vs
General Electric Credit UnionCredit union Cincinnati, OH54 out of 100, Below average$4.2B8.5%0.70%vs

Deposit insurance

Is my money safe at Kemba Credit Union?

Yes. Kemba Credit Union is a federally insured credit union (NCUA charter #61810). 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 7.0% of shares and deposits ($105.9M) are above the $250,000 NCUA insurance limit, below the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 11.68%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

12 locations

Branches

Kemba Credit Union lists 12 offices in 9 cities across 3 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Kemba Credit Union reported 992 home-loan applications under HMDA (LEI 549300GN85R5S1V3SJ96): 659 originated ($133,905,000 total), 206 denied, and 121 withdrawn or closed by the applicant. Its denial rate on decided applications was 23.7%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Kemba Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
61810
RSSD ID
704492
Primary regulator
State + NCUA
Established
1934
Headquarters
5600 Chappell Crossing Blvd, West Chester, OH 45069
Employees
307

Quick answers

Kemba Credit Union: common questions

Is Kemba Credit Union NCUA insured?

Yes. Kemba Credit Union is a federally insured credit union (NCUA charter #61810). 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 Credit Union's TellerScore?

65 out of 100 (Moderate), 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 Credit Union have?

12 offices as of the latest NCUA data, in 3 states.