TellerScore

Headquartered in Louisville, Kentucky, Kemba Louisville Credit Union is a federally insured state-chartered credit union with $59.3M in total assets and $46.3M in member shares and deposits as of Q2 2026. It operates 2 offices across 2 states. Its charter dates back to 1934.

Based on its Q2 2026 filing, Kemba Louisville Credit Union scores 65/100, which we describe as moderate. That is higher than only 30% of 2,479 credit unions with under $100 million in assets. Among 51 credit unions headquartered in Kentucky, it ranks 39th. Its strongest component is capital cushion (100/100; 20.80%), and its lowest is loan quality (9/100; 2.72%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 20.80%
Loan quality9/100
Loans 60+ days delinquent ÷ total loans: 2.72%
Earnings44/100
Return on assets (annualized): 0.60%
Funding & liquidity100/100
Loans ÷ shares: 25.5% · 4.1% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.80%

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 4 points (69 → 65), mostly because the loan quality component weakened by 13 points.

TellerScore
616772Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202461
Q3 202461
Q4 202463
Q1 202571
Q2 202569
Q3 202567
Q4 202566
Q1 202672
Q2 202665
Net worth ratio
7.00%13.90%20.80%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202419.66%
Q3 202419.94%
Q4 202420.25%
Q1 202520.06%
Q2 202520.07%
Q3 202520.57%
Q4 202520.62%
Q1 202620.38%
Q2 202620.80%
Delinquent loans (60+ days)
2.02%2.89%3.76%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20243.59%
Q3 20243.76%
Q4 20242.74%
Q1 20252.02%
Q2 20252.34%
Q3 20252.57%
Q4 20252.68%
Q1 20262.06%
Q2 20262.72%
Return on assets
0.34%0.54%0.74%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.34%
Q3 20240.37%
Q4 20240.38%
Q1 20250.49%
Q2 20250.56%
Q3 20250.59%
Q4 20250.61%
Q1 20260.74%
Q2 20260.60%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202665$59.3M20.80%2.72%0.60%25.5%
Q1 202672$60.2M20.38%2.06%0.74%25.7%
Q4 202566$59.0M20.62%2.68%0.61%26.8%
Q3 202567$58.6M20.57%2.57%0.59%28.2%
Q2 202569$59.6M20.07%2.34%0.56%28.1%
Q1 202571$59.2M20.06%2.02%0.49%28.4%
Q4 202463$58.3M20.25%2.74%0.38%29.8%
Q3 202461$58.8M19.94%3.76%0.37%29.5%
Q2 202461$59.3M19.66%3.59%0.34%29.3%

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 ratio20.80%
80th
Problem loans2.72%
14th
Net charge-offs2.23%
5th
Return on assets0.60%
47th
Loans to deposits25.5%
92nd
Uninsured deposits4.1%
28th
Loan-loss reserves0.00%
37th
Texas ratio2.8%
44th

Similar-size credit unions in Kentucky

InstitutionScoreAssetsCapitalProblem loansCompare
Green River Area Federal Credit UnionCredit union Owensboro, KY89 out of 100, Very strong$60.3M20.7%0.53%vs
Kue Federal Credit UnionCredit union Lexington, KY76 out of 100, Strong$56.1M14.9%1.65%vs
Morehead Community Federal Credit UnionCredit union Morehead, KY88 out of 100, Very strong$65.1M13.5%0.50%vs
Metro Plus Credit UnionCredit union Lexington, KY76 out of 100, Strong$50.9M13.1%0.40%vs
Louisville Gas and Electric Company Credit UnionCredit union Louisville, KY82 out of 100, Strong$50.4M15.5%0.87%vs
Beacon Community Credit UnionCredit union Louisville, KY72 out of 100, Strong$72.1M12.3%0.44%vs

Deposit insurance

Is my money safe at Kemba Louisville Credit Union?

Yes. Kemba Louisville Credit Union is a federally insured credit union (NCUA charter #62358). 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 4.1% of shares and deposits ($1.9M) 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 20.80%, 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 Louisville Credit Union lists 2 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Kemba Louisville Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
62358
RSSD ID
842992
Primary regulator
State + NCUA
Established
1934
Headquarters
4017 Poplar Level Rd, Louisville, KY 40213
Employees
12

Quick answers

Kemba Louisville Credit Union: common questions

Is Kemba Louisville Credit Union NCUA insured?

Yes. Kemba Louisville Credit Union is a federally insured credit union (NCUA charter #62358). 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 Louisville 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 Louisville Credit Union have?

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

Nearby

Highest-scoring banks and credit unions with branches near Louisville

InstitutionScoreAssetsCapitalProblem loansCompare
Advanz Federal Credit UnionCredit union Louisville, KY85 out of 100, Very strong$161.6M15.6%0.54%vs
Republic Bank & Trust CompanyBank Louisville, KY84 out of 100, Strong$7.1B14.8%0.56%vs
Transcend Credit UnionCredit union Louisville, KY83 out of 100, Strong$588.3M13.4%0.13%vs
Guardian Savings BankBank West Chester, OH83 out of 100, Strong$1.4B11.4%0.20%vs
Armed Forces Bank, National AssociationBank Fort Leavenworth, KS83 out of 100, Strong$1.4B13.9%1.21%vs
Louisville Gas and Electric Company Credit UnionCredit union Louisville, KY82 out of 100, Strong$50.4M15.5%0.87%vs