State credit union · West Chester, Ohio · NCUA charter #61810
KEMBA
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $1.75B
- Total assets
- 130,656
- Members
- 11.3%
- Net-worth ratio
KEMBA scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.75B; members 130,656; net-worth ratio 11.27%; health rank #1,123 of 4,374; healthier than 73rd of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,123 of 4,374 health · 2025Q4KEMBA · health 90/100 · $1.75B · 2025Q4
- CAMELS 90/100
- HEALTH 11.3%
- NW 0.81%
- DELQ 0.58%
- ROA $1.75B
- ASSETS 130,656
- MEM #1,123/4,374
- RANK DATCU
- PHOTO 61810
Call Report peers
KEMBA in the assets neighbourhood
KEMBA's $1.75B assets sit next to DATCU ($1.75B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
KEMBA vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
90 Top 27% higher than 73% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
KEMBA - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #61810, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
KEMBA vs Over $500M peers
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +10.58 pp (94.48% vs 83.90%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
KEMBA in Ohio
- In Ohio, health place is #47 of 196 on the same NCUA-ratio sort used nationally.
- By total assets, KEMBA is #6 of 196 in Ohio.
- Member book place in Ohio: #4 of 196.
In-state ordinals use the live credit_unions table for OH only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for KEMBA
KEMBA: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.7% from $1.75B (2025Q4) to $1.78B (2026Q1).
- Net-worth ratio shifted -0.06 pp (11.33% → 11.27%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
11.27% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 90/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 90.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.9 pts
- Return on Assets 15.0 pts
- Member Growth 9.8 pts
- Loan-to-Share Ratio 13.3 pts
KEMBA vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.27% | +0.09 pp |
| Delinquency Rate | 0.81% | -0.07 pp |
| Return on Assets | 0.58% | +0.08 pp |
| Member Growth | 0.70% | - |
| Loan-to-Share Ratio | 94.48% | +10.58 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.78B | - |
| 2025Q4 | $1.75B | 130,656 |
| 2024Q4 | $1.81B | 129,745 |
| 2023Q4 | $1.64B | 127,991 |
Credit Union Details
- Charter Number
- 61810
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Ohio
- City
- West Chester
- Data Quarter
- 2025Q4
Branch Locations (15)
KEMBA operates 15 offices across 10 cities, spanning 3 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Operations Center (Main Office) | West Chester, OH |
| Amelia | Amelia, OH |
| Blue Ash | Blue Ash, OH |
| Peyton | Bluffton, IN |
| Springdale | Cincinnati, OH |
| Bridgetown | Cincinnati, OH |
| College Hill | Cincinnati, OH |
| Queensgate | Cincinnati, OH |
| Downtown Cincinnati | Cincinnati, OH |
| Connersville | Connersville, IN |
| Florence | Florence, KY |
| Harrison | Harrison, OH |
| Richmond | Richmond, IN |
| South Lebanon | South Lebanon, OH |
| Union Centre | West Chester, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Ohio
More federally-insured credit unions based in Ohio, ordered by peer group match and asset size.
Other-state peers near KEMBA
KEMBA's nationwide photo peers by assets and by health score, excluding Ohio charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.75B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (90/100 here).
Using this data
- KEMBA ranks #1,123 of 4,374 nationally on financial health and #47 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Superior Credit Union, Inc is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Superior Credit Union, Inc
- Rates and health both vary by institution, not just by state -- see how Ohio credit unions compare overall before assuming this one is typical. Ohio state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is KEMBA financially healthy?
Yes/no aside, the number is 90/100 (Excellent) - KEMBA's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,123 of 4,374; by total assets it ranks #285 of 4,374 nationally (same basis as /rankings/largest); and #6 of 196 within Ohio. Above 80 reads excellent, below 50 warrants closer monitoring; a 11.27% net worth ratio and 0.81% delinquency rate are the key drivers.
How does KEMBA compare to other credit unions?
90/100 is KEMBA's score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join KEMBA?
Membership eligibility for KEMBA depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact KEMBA directly for current membership requirements and application steps.
Is my money safe at KEMBA?
Federal credit unions like KEMBA are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. KEMBA's net worth ratio of 11.27% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does KEMBA offer compared to banks?
Credit unions like KEMBA are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact KEMBA directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.