Federal credit union · Bartlett, Tennessee · NCUA charter #24220
Kemba Delta
Health score 71/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 71
- Health / 100
- $31.0M
- Total assets
- 5,004
- Members
- 28.5%
- Net-worth ratio
Kemba Delta scores 71/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $31.0M; members 5,004; net-worth ratio 28.49%; health rank #3,505 of 4,374; healthier than 18th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,505 of 4,374 health · 2025Q4Kemba Delta · health 71/100 · $31.0M · 2025Q4
Call Report peers
Kemba Delta in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Kemba Delta vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Kemba Delta sits in 70-74 with 317 others.
71 18th percentile higher than 18% 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 Delta: Call Report deltas vs peers
- Largest favorable gap: Net Worth Ratio at 28.49% vs peer 14.86% (+13.63 pp).
- Largest lag: Loan-to-Share Ratio at 47.99% vs peer 59.80% (-11.81 pp).
Tennessee standing for Kemba Delta
- In Tennessee, health place is #107 of 127 on the same NCUA-ratio sort used nationally.
- Tennessee assets place: #81 of 127.
- Member book place in Tennessee: #56 of 127.
- One place up in Tennessee, TRUST (#106) scores 72/100, 1 point higher; one place down, Chattanooga First (#108) ties at 71/100.
How Kemba Delta's 5300 filing moved
Kemba Delta: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.2% from $31.0M (2025Q4) to $31.7M (2026Q1).
- Net-worth ratio shifted -0.21 pp (28.70% → 28.49%).
28.49% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 71/100 score is built
Kemba Delta gives up 29 points in total. Delinquency Rate costs the most, 17.8 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 7.2 pts
- Return on Assets 15.0 pts
- Member Growth 8.0 pts
- Loan-to-Share Ratio 10.8 pts
Kemba Delta vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 28.49% | +13.63 pp |
| Delinquency Rate | 2.85% | +1.70 pp |
| Return on Assets | 2.19% | +1.48 pp |
| Member Growth | -0.54% | - |
| Loan-to-Share Ratio | 47.99% | -11.81 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - Kemba Delta
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $31.7M | - |
| 2025Q4 | $31.0M | 5,004 |
| 2024Q4 | $29.1M | 5,031 |
| 2023Q4 | $29.2M | 5,023 |
Credit Union Details
- Charter Number
- 24220
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Tennessee
- City
- Bartlett
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Kemba Delta, spread across 2 cities in 2 states.
| Office | City |
|---|---|
| Kemba Delta FCU (Main Office) | Bartlett, TN |
| Velera | St Petersburg, FL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Tennessee
A look at other Tennessee credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near Kemba Delta
Similar total assets
Similar health score
Using this data
- Kemba Delta ranks #3,505 of 4,374 nationally on financial health and #107 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Tennessee Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Tennessee Employees
Frequently Asked Questions
Is Kemba Delta financially healthy?
On its 2025Q4 NCUA 5300 filing, Kemba Delta scores 71/100 (Very Good), with a 28.49% net worth ratio and 2.85% of loans delinquent. It ranks #3,505 of 4,374 nationally on health and #107 of 127 in Tennessee.
How does Kemba Delta compare to other credit unions?
Kemba Delta scores 71/100, higher than 18% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (28.49% vs 14.86%). Its widest shortfall is loan-to-share ratio (47.99% vs 59.80%).
How can I join Kemba Delta?
Kemba Delta 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 Delta directly for the exact boundaries and application steps.
Is my money safe at Kemba Delta?
Kemba Delta 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 Delta's net worth ratio of 28.49% 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.