TellerScore

Headquartered in Salem, Virginia, Kemba Roanoke Federal Credit Union is a federal credit union with $76.7M in total assets and $65.0M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1935.

Based on its Q2 2026 filing, Kemba Roanoke Federal Credit Union scores 82/100, which we describe as strong. That is higher than 70% of 2,479 credit unions with under $100 million in assets. Among 95 credit unions headquartered in Virginia, it ranks 21st. Its strongest component is capital cushion (100/100; 16.37%), and its lowest is earnings (44/100; 0.60%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 16.37%
Loan quality75/100
Loans 60+ days delinquent ÷ total loans: 0.74%
Earnings44/100
Return on assets (annualized): 0.60%
Funding & liquidity100/100
Loans ÷ shares: 36.5% · 2.2% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.41%

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 rose 8 points (74 → 82), mostly because the loan quality component improved by 30 points.

TellerScore
697682Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202472
Q3 202469
Q4 202470
Q1 202577
Q2 202574
Q3 202576
Q4 202577
Q1 202682
Q2 202682
Net worth ratio
7.00%11.69%16.37%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202415.91%
Q3 202416.05%
Q4 202416.10%
Q1 202515.63%
Q2 202515.77%
Q3 202515.96%
Q4 202516.27%
Q1 202616.13%
Q2 202616.37%
Delinquent loans (60+ days)
0.74%1.36%1.98%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.79%
Q3 20241.98%
Q4 20241.71%
Q1 20251.14%
Q2 20251.66%
Q3 20251.54%
Q4 20251.33%
Q1 20260.91%
Q2 20260.74%
Return on assets
0.15%0.42%0.70%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.39%
Q3 20240.30%
Q4 20240.15%
Q1 20250.35%
Q2 20250.51%
Q3 20250.62%
Q4 20250.55%
Q1 20260.70%
Q2 20260.60%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202682$76.7M16.37%0.74%0.60%36.5%
Q1 202682$77.2M16.13%0.91%0.70%35.8%
Q4 202577$75.7M16.27%1.33%0.55%36.3%
Q3 202576$76.8M15.96%1.54%0.62%36.8%
Q2 202574$76.8M15.77%1.66%0.51%37.1%
Q1 202577$76.6M15.63%1.14%0.35%36.5%
Q4 202470$73.9M16.10%1.71%0.15%38.6%
Q3 202469$74.6M16.05%1.98%0.30%38.6%
Q2 202472$75.0M15.91%1.79%0.39%39.3%

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 ratio16.37%
62nd
Problem loans0.74%
49th
Net charge-offs0.78%
18th
Return on assets0.60%
48th
Loans to deposits36.5%
83rd
Uninsured deposits2.2%
43rd
Loan-loss reserves0.00%
37th
Texas ratio1.4%
60th

Similar-size credit unions in Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
Virginia Educators Credit UnionCredit union Newport News, VA96 out of 100, Very strong$76.3M24.2%0.43%vs
Northern Star Credit Union, Inc.Credit union Portsmouth, VA85 out of 100, Very strong$73.7M16.8%0.32%vs
Rva Financial Federal Credit UnionCredit union Richmond, VA76 out of 100, Strong$82.7M12.2%1.42%vs
Pwc Employees Federal Credit UnionCredit union Woodbridge, VA75 out of 100, Strong$86.3M14.0%1.27%vs
Front Royal Federal Credit UnionCredit union Front Royal, VA97 out of 100, Very strong$87.4M16.9%0.14%vs
Credit Union of Richmond IncorporatCredit union Richmond, VA87 out of 100, Very strong$64.6M18.5%0.69%vs

Deposit insurance

Is my money safe at Kemba Roanoke Federal Credit Union?

Yes. Kemba Roanoke Federal Credit Union is a federally insured credit union (NCUA charter #107). 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 2.2% of shares and deposits ($1.4M) 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 16.37%, 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 Roanoke Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Kemba Roanoke Federal Credit Union
Type
Federal credit union
NCUA charter #
107
RSSD ID
887274
Primary regulator
NCUA
Established
1935
Headquarters
2812 W Main St, Salem, VA 24153
Employees
11

Quick answers

Kemba Roanoke Federal Credit Union: common questions

Is Kemba Roanoke Federal Credit Union NCUA insured?

Yes. Kemba Roanoke Federal Credit Union is a federally insured credit union (NCUA charter #107). 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 Roanoke Federal 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 Roanoke Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Salem

InstitutionScoreAssetsCapitalProblem loansCompare
High Street Baptist Church Federal Credit UnionCredit union Roanoke, VA92 out of 100, Very strong$2.5M14.7%0.00%vs
Farmers & Merchants Bank of Craig CountyBank New Castle, VA92 out of 100, Very strong$93.0M16.9%0.00%vs
Roanoke Valley Community Federal Credit UnionCredit union Roanoke, VA89 out of 100, Very strong$107.4M16.3%0.34%vs
Blue Eagle Credit UnionCredit union Roanoke, VA84 out of 100, Strong$280.8M12.9%0.11%vs
Salem VA Medical Center Federal Credit UnionCredit union Salem, VA80 out of 100, Strong$93.5M13.0%0.16%vs
Bank of BotetourtBank Buchanan, VA79 out of 100, Strong$939.4M11.0%0.25%vs