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.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,564 of 4,374 health · 2025Q4Kemba Charleston · health 87/100 · $45.0M · 2025Q4
- CAMELS 87/100
- HEALTH 20.0%
- NW 1.30%
- DELQ 0.79%
- ROA $45.0M
- ASSETS 3,852
- MEM #1,564/4,374
- RANK Cherokee County
- PHOTO 108
Call Report peers
Kemba Charleston in the assets neighbourhood
Kemba Charleston's $45.0M assets sit next to Cherokee County ($45.0M) 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 Charleston 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
87 Top 40% higher than 60% 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 Charleston - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #108, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for WV only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Kemba Charleston's 5300 filing moved
Kemba Charleston: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.7% from $45.0M (2025Q4) to $45.7M (2026Q1).
- Net-worth ratio shifted -0.20 pp (20.21% → 20.01%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Kemba Charleston's nationwide photo peers by assets and by health score, excluding West Virginia charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($45.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
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
- Rates and health both vary by institution, not just by state -- see how West Virginia credit unions compare overall before assuming this one is typical. West Virginia 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 Charleston financially healthy?
Kemba Charleston scores 87/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,564 of 4,374; by total assets it ranks #2,488 of 4,374 nationally (same basis as /rankings/largest); and #26 of 74 within West Virginia. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 20.01% net worth ratio and a 1.30% delinquency rate.
How does Kemba Charleston compare to other credit unions?
PlainCU's health composite puts Kemba Charleston at 87/100, compared to a peer group average for $10M–$50M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (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 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?
Federal credit unions like Kemba Charleston 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 Charleston's net worth ratio of 20.01% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Kemba Charleston offer compared to banks?
Credit unions like Kemba Charleston 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 Charleston 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.