TellerScore

Kemba Financial Credit Union is a federally insured state-chartered credit union headquartered in Gahanna, Ohio, in business for about 93 years. At the end of Q2 2026 it reported $2.5B in total assets and $2.1B in member shares and deposits, with 9 offices.

Based on its Q2 2026 filing, Kemba Financial Credit Union scores 74/100, which we describe as strong. That is higher than 72% of 454 credit unions with $1 billion – $10 billion. Among 192 credit unions headquartered in Ohio, it ranks 78th. Its strongest component is problem-loan coverage (93/100; 3.5%), and its lowest is earnings (57/100; 0.93%).

TellerScore · Q2 2026

Scorecard

Capital cushion76/100
Net worth ratio: 12.57%
Loan quality81/100
Loans 60+ days delinquent ÷ total loans: 0.58%
Earnings57/100
Return on assets (annualized): 0.93%
Funding & liquidity68/100
Loans ÷ shares: 92.4% · 6.8% uninsured
Problem-loan coverage93/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.54%

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 (73 → 74).

TellerScore
727374Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202472
Q3 202472
Q4 202473
Q1 202573
Q2 202573
Q3 202573
Q4 202574
Q1 202674
Q2 202674
Net worth ratio
7.00%9.82%12.64%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.95%
Q3 202412.03%
Q4 202412.19%
Q1 202512.06%
Q2 202512.18%
Q3 202512.45%
Q4 202512.35%
Q1 202612.64%
Q2 202612.57%
Delinquent loans (60+ days)
0.39%0.51%0.63%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.48%
Q3 20240.49%
Q4 20240.52%
Q1 20250.39%
Q2 20250.52%
Q3 20250.63%
Q4 20250.61%
Q1 20260.61%
Q2 20260.58%
Return on assets
0.70%0.84%0.99%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.70%
Q3 20240.74%
Q4 20240.79%
Q1 20250.76%
Q2 20250.89%
Q3 20250.93%
Q4 20250.98%
Q1 20260.99%
Q2 20260.93%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$2.5B12.57%0.58%0.93%92.4%
Q1 202674$2.4B12.64%0.61%0.99%90.8%
Q4 202574$2.4B12.35%0.61%0.98%90.8%
Q3 202573$2.4B12.45%0.63%0.93%93.0%
Q2 202573$2.4B12.18%0.52%0.89%90.5%
Q1 202573$2.3B12.06%0.39%0.76%89.1%
Q4 202473$2.3B12.19%0.52%0.79%89.1%
Q3 202472$2.3B12.03%0.49%0.74%86.8%
Q2 202472$2.3B11.95%0.48%0.70%86.8%

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 ratio12.57%
74th
Problem loans0.58%
62nd
Net charge-offs0.60%
40th
Return on assets0.93%
62nd
Loans to deposits92.4%
37th
Uninsured deposits6.8%
74th
Loan-loss reserves0.00%
50th
Texas ratio3.5%
68th

Similar-size credit unions in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
Seven Seventeen Credit UnionCredit union Warren, OH64 out of 100, Moderate$2.2B12.5%1.26%vs
Superior Credit Union, IncCredit union Lima, OH94 out of 100, Very strong$2.0B15.2%0.20%vs
Kemba Credit UnionCredit union West Chester, OH65 out of 100, Moderate$1.7B11.7%0.85%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
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 Financial Credit Union?

Yes. Kemba Financial Credit Union is a federally insured credit union (NCUA charter #61623). 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 6.8% of shares and deposits ($138.9M) 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 12.57%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

9 locations

Branches

Kemba Financial Credit Union lists 9 offices in 6 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Kemba Financial Credit Union reported 3,308 home-loan applications under HMDA (LEI 549300Y6FMTOZSY0VW06): 1,876 originated ($239,580,000 total), 999 denied, and 383 withdrawn or closed by the applicant. Its denial rate on decided applications was 34.2%, 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 Financial Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
61623
RSSD ID
31291
Primary regulator
State + NCUA
Established
1933
Headquarters
PO Box 307370, Gahanna, OH 43230
Employees
362

Quick answers

Kemba Financial Credit Union: common questions

Is Kemba Financial Credit Union NCUA insured?

Yes. Kemba Financial Credit Union is a federally insured credit union (NCUA charter #61623). 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 Financial Credit Union's TellerScore?

74 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 Financial Credit Union have?

9 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Gahanna

InstitutionScoreAssetsCapitalProblem loansCompare
Nationwide Trust Company, FSBBank Columbus, OH94 out of 100, Very strong$153.6M36.9%0.00%vs
C E S Credit UnionCredit union Mount Vernon, OH91 out of 100, Very strong$244.3M13.1%0.16%vs
Abbott Laboratories Credit UnionCredit union Gurnee, IL89 out of 100, Very strong$1.1B14.5%0.11%vs
State Highway Patrol Federal Credit UnionCredit union Columbus, OH88 out of 100, Very strong$92.2M13.5%0.06%vs
Firestone Federal Credit UnionCredit union Akron, OH82 out of 100, Strong$198.1M18.1%1.15%vs
Fidelity Federal Savings and Loan Association of DelawareBank Delaware, OH82 out of 100, Strong$131.6M17.0%0.04%vs