TellerScore

Kemba Indianapolis Credit Union (NCUA charter #82793) is based in Indianapolis, Indiana. Its Q2 2026 call report shows $82.3M in total assets and $68.6M in member shares and deposits and 2 offices across 2 states.

Kemba Indianapolis Credit Union has a TellerScore of 82 out of 100 (strong) based on Q2 2026 data — higher than 70% of its 2,479 credit unions with under $100 million in assets. Among 121 credit unions headquartered in Indiana, it ranks 24th. Capital cushion contributes the most (100/100, 16.02%); earnings contributes the least (54/100, 0.84%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 16.02%
Loan quality65/100
Loans 60+ days delinquent ÷ total loans: 1.04%
Earnings54/100
Return on assets (annualized): 0.84%
Funding & liquidity100/100
Loans ÷ shares: 41.9% · 0.0% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.27%

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 (83 → 82).

TellerScore
798386Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202486
Q3 202483
Q4 202479
Q1 202583
Q2 202583
Q3 202584
Q4 202579
Q1 202682
Q2 202682
Net worth ratio
7.00%11.53%16.06%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202415.02%
Q3 202415.49%
Q4 202415.13%
Q1 202515.11%
Q2 202515.71%
Q3 202516.06%
Q4 202515.71%
Q1 202615.38%
Q2 202616.02%
Delinquent loans (60+ days)
0.56%0.97%1.38%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.56%
Q3 20240.90%
Q4 20241.38%
Q1 20251.00%
Q2 20250.84%
Q3 20250.71%
Q4 20251.14%
Q1 20260.74%
Q2 20261.04%
Return on assets
0.59%0.76%0.93%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.87%
Q3 20240.83%
Q4 20240.85%
Q1 20250.93%
Q2 20250.77%
Q3 20250.74%
Q4 20250.67%
Q1 20260.59%
Q2 20260.84%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202682$82.3M16.02%1.04%0.84%41.9%
Q1 202682$84.2M15.38%0.74%0.59%40.3%
Q4 202579$81.6M15.71%1.14%0.67%42.1%
Q3 202584$79.3M16.06%0.71%0.74%42.9%
Q2 202583$80.3M15.71%0.84%0.77%42.3%
Q1 202583$82.7M15.11%1.00%0.93%39.3%
Q4 202479$81.4M15.13%1.38%0.85%40.1%
Q3 202483$78.3M15.49%0.90%0.83%42.0%
Q2 202486$79.8M15.02%0.56%0.87%41.1%

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 ratio16.02%
60th
Problem loans1.04%
38th
Net charge-offs1.08%
13th
Return on assets0.84%
59th
Loans to deposits41.9%
76th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio2.3%
50th

Similar-size credit unions in Indiana

InstitutionScoreAssetsCapitalProblem loansCompare
Harvester Financial Credit UnionCredit union Indianapolis, IN50 out of 100, Below average$79.5M9.3%1.36%vs
Public Service #3 Credit UnionCredit union Fort Wayne, IN71 out of 100, Strong$86.9M11.7%0.89%vs
Firefighters Credit UnionCredit union Indianapolis, IN79 out of 100, Strong$88.1M12.6%0.27%vs
Lampco Federal Credit UnionCredit union Anderson, IN56 out of 100, Moderate$89.6M9.7%0.89%vs
Evansville Federal Credit UnionCredit union Evansville, IN74 out of 100, Strong$90.2M14.5%1.50%vs
LA Porte Community Federal Credit UnionCredit union La Porte, IN68 out of 100, Moderate$74.1M13.7%1.59%vs

Deposit insurance

Is my money safe at Kemba Indianapolis Credit Union?

Kemba Indianapolis Credit Union files NCUA call reports but its charter type is recorded as not federally insured. Ask the credit union how deposits are insured.

An estimated 0.0% of shares and deposits ($0) 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 16.02%, 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 Indianapolis Credit Union lists 2 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Kemba Indianapolis Credit Union
Type
Non-federally insured state credit union
NCUA charter #
82793
RSSD ID
177395
Primary regulator
State + NCUA
Established
1933
Headquarters
444 S Shortridge Rd, Indianapolis, IN 46219
Employees
15

Quick answers

Kemba Indianapolis Credit Union: common questions

Is Kemba Indianapolis Credit Union NCUA insured?

Kemba Indianapolis Credit Union files NCUA call reports but its charter type is recorded as not federally insured. Ask the credit union how deposits are insured.

What is Kemba Indianapolis Credit Union's TellerScore?

82 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 Indianapolis Credit Union have?

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

Nearby

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