TellerScore

Kemba Delta Federal Credit Union (NCUA charter #24220) is based in Bartlett, Tennessee. Its Q2 2026 call report shows $31.2M in total assets and $21.4M in member shares and deposits and 2 offices across 2 states.

Based on its Q2 2026 filing, Kemba Delta Federal Credit Union scores 73/100, which we describe as strong. That is higher than only 47% of 2,479 credit unions with under $100 million in assets. Among 125 credit unions headquartered in Tennessee, it ranks 67th. Its strongest component is capital cushion (100/100; 29.45%), and its lowest is loan quality (0/100; 3.17%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 29.45%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 3.17%
Earnings95/100
Return on assets (annualized): 1.87%
Funding & liquidity100/100
Loans ÷ shares: 46.2% · 4.9% uninsured
Problem-loan coverage93/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.41%

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 fell 15 points (88 → 73), mostly because the loan quality component weakened by 55 points.

TellerScore
738189Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202485
Q3 202484
Q4 202489
Q1 202582
Q2 202588
Q3 202580
Q4 202576
Q1 202677
Q2 202673
Net worth ratio
7.00%18.22%29.45%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202427.00%
Q3 202427.75%
Q4 202428.36%
Q1 202528.20%
Q2 202528.31%
Q3 202528.60%
Q4 202528.70%
Q1 202628.49%
Q2 202629.45%
Delinquent loans (60+ days)
1.19%2.18%3.17%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.76%
Q3 20241.87%
Q4 20241.19%
Q1 20252.14%
Q2 20251.34%
Q3 20252.30%
Q4 20252.85%
Q1 20262.35%
Q2 20263.17%
Return on assets
1.64%1.98%2.33%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.13%
Q3 20242.14%
Q4 20242.33%
Q1 20252.02%
Q2 20252.06%
Q3 20252.02%
Q4 20252.10%
Q1 20261.64%
Q2 20261.87%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$31.2M29.45%3.17%1.87%46.2%
Q1 202677$31.7M28.49%2.35%1.64%46.4%
Q4 202576$31.0M28.70%2.85%2.10%48.0%
Q3 202580$30.5M28.60%2.30%2.02%45.3%
Q2 202588$30.2M28.31%1.34%2.06%51.0%
Q1 202582$29.8M28.20%2.14%2.02%56.2%
Q4 202489$29.1M28.36%1.19%2.33%60.8%
Q3 202484$29.0M27.75%1.87%2.14%55.9%
Q2 202485$29.2M27.00%1.76%2.13%61.4%

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 ratio29.45%
94th
Problem loans3.17%
12th
Net charge-offs2.11%
5th
Return on assets1.87%
92nd
Loans to deposits46.2%
69th
Uninsured deposits4.9%
22nd
Loan-loss reserves0.00%
37th
Texas ratio3.4%
40th

Similar-size credit unions in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
Tennessee Employees Credit UnionCredit union Nashville, TN81 out of 100, Strong$31.0M20.1%0.92%vs
Tennessee Military Federal Credit UnionCredit union Louisville, TN83 out of 100, Strong$31.5M13.1%0.97%vs
Patriot Equity Credit UnionCredit union Jackson, TN44 out of 100, Below average$33.0M10.8%2.92%vs
Knox County Teachers Federal Credit UnionCredit union Knoxville, TN93 out of 100, Very strong$34.4M15.5%0.01%vs
Beacon Financial Credit UnionCredit union Johnson City, TN44 out of 100, Below average$27.9M7.7%1.39%vs
Koin Credit UnionCredit union Brentwood, TN64 out of 100, Moderate$34.9M9.2%0.66%vs

Deposit insurance

Is my money safe at Kemba Delta Federal Credit Union?

Yes. Kemba Delta Federal Credit Union is a federally insured credit union (NCUA charter #24220). 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 4.9% of shares and deposits ($1.0M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 29.45%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Kemba Delta Federal Credit Union lists 2 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Kemba Delta Federal Credit Union
Type
Federal credit union
NCUA charter #
24220
RSSD ID
279794
Primary regulator
NCUA
Established
1934
Headquarters
3108 N Germantown Rd, Ste 106, Bartlett, TN 38133
Employees
6

Quick answers

Kemba Delta Federal Credit Union: common questions

Is Kemba Delta Federal Credit Union NCUA insured?

Yes. Kemba Delta Federal Credit Union is a federally insured credit union (NCUA charter #24220). 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 Delta Federal Credit Union's TellerScore?

73 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 Delta Federal Credit Union have?

2 offices as of the latest NCUA data, in 2 states.

Nearby

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