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
- RANK 71/100
- PHOTO 28.5%
- BOOK 2.85%
- CHARTER 2.19%
- NCUSIF $31.0M
- CAMELS 5,004
- HEALTH #3,505/4,374
- NW Carey Poverello
- DELQ 24220
Call Report peers
Kemba Delta in the assets neighbourhood
Kemba Delta's $31.0M assets sit next to Carey Poverello ($31.0M) 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 Delta 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
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 - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #24220. See our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for TN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Kemba Delta's 5300 filing moved
Kemba Delta: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.2% from $31.0M (2025Q4) to $31.7M (2026Q1).
- Net-worth ratio shifted -0.21 pp (28.70% → 28.49%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 71.
- 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 |
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 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
Cross-state asset and health neighbours for Kemba Delta - kept outside Tennessee; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($31.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (71/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Tennessee credit unions compare overall before assuming this one is typical. Tennessee 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 Delta financially healthy?
A 28.49% net worth ratio and a 2.85% delinquency rate feed into Kemba Delta's financial health score of 71/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,505 of 4,374; by total assets it ranks #2,825 of 4,374 nationally (same basis as /rankings/largest); and #81 of 127 within Tennessee. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Kemba Delta compare to other credit unions?
71/100 is Kemba Delta's score on PlainCU's health composite, compared to a peer group average for $10M–$50M 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 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?
Federal credit unions like Kemba Delta 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 Delta's net worth ratio of 28.49% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Kemba Delta offer compared to banks?
Credit unions like Kemba Delta 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 Delta 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.