Federal credit union · Dunbar, West Virginia · NCUA charter #108
Kemba Charleston
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $45.0M
- Total assets
- 3,852
- Members
- 20.0%
- Net-worth ratio
Kemba Charleston scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $45.0M; members 3,852; net-worth ratio 20.01%; health rank #1,564 of 4,374; healthier than 60th of scored peers.
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#1,564 of 4,374 health · 2025Q4Kemba Charleston · health 87/100 · $45.0M · 2025Q4
Call Report peers
Kemba Charleston in the assets neighbourhood
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Kemba Charleston vs every NCUA-scored credit union
Kemba Charleston sits in the busiest band, 85-89, alongside 857 other credit unions.
87 Top 40% higher than 60% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Kemba Charleston: Call Report deltas vs peers
- Strongest edge vs 1163 $10M–$50M peers is Net Worth Ratio: +5.15 pp (20.01% vs 14.86%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -20.00 pp (39.80% vs 59.80%).
Where Kemba Charleston sits in West Virginia
- Health composite ranks #22 of 74 among scored West Virginia credit unions.
- West Virginia assets place: #26 of 74.
- Membership ranks #28 of 74 among West Virginia CUs with a reported count (3,852 members).
- One place up in West Virginia, Putnam School Employees (#21) ties at 87/100; one place down, West Virginia (#23) ties at 87/100.
How Kemba Charleston's 5300 filing moved
Kemba Charleston: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.7% from $45.0M (2025Q4) to $45.7M (2026Q1).
- Net-worth ratio shifted -0.20 pp (20.21% → 20.01%).
This credit union's 20.01% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 87/100 score is built
Kemba Charleston gives up 13 points in total. Delinquency Rate costs the most, 7.2 of its 25; Net Worth Ratio and Return on Assets and Member Growth score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 17.8 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 9.2 pts
Kemba Charleston health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 20.01% | +5.15 pp |
| Delinquency Rate | 1.30% | +0.15 pp |
| Return on Assets | 0.79% | +0.08 pp |
| Member Growth | 7.12% | - |
| Loan-to-Share Ratio | 39.80% | -20.00 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - Kemba Charleston
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $45.7M | - |
| 2025Q4 | $45.0M | 3,852 |
| 2024Q4 | $44.8M | 3,596 |
| 2023Q4 | $45.1M | 3,698 |
Credit Union Details
- Charter Number
- 108
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $10M–$50M
- State
- West Virginia
- City
- Dunbar
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Kemba Charleston runs one office.
| Office | City |
|---|---|
| Kemba Charleston FCU (Main Office) | Dunbar, WV |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in West Virginia
More federally-insured credit unions based in West Virginia, ordered by peer group match and asset size.
Other-state peers near Kemba Charleston
Similar total assets
Using this data
- Kemba Charleston ranks #1,564 of 4,374 nationally on financial health and #22 of 74 in WV -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Mountain Heritage is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Mountain Heritage
Frequently Asked Questions
Is Kemba Charleston financially healthy?
Kemba Charleston has a financial health score of 87/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,564 of 4,374 nationally on health and #22 of 74 in West Virginia. Its net worth ratio is 20.01% and its delinquency rate 1.30%.
How does Kemba Charleston compare to other credit unions?
Kemba Charleston scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (20.01% vs 14.86%). Its widest shortfall is loan-to-share ratio (39.80% vs 59.80%).
How can I join Kemba Charleston?
Kemba Charleston operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Kemba Charleston directly for the exact boundaries and application steps.
Is my money safe at Kemba Charleston?
Kemba Charleston is a federal credit union; its shares are federally 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 Charleston's net worth ratio of 20.01% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.