Federal credit union · Indianapolis, Indiana · NCUA charter #82793
Kemba Indianapolis
Health score 76/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 76
- Health / 100
- $81.6M
- Total assets
- 5,008
- Members
- 15.7%
- Net-worth ratio
Kemba Indianapolis - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #82793, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Kemba Indianapolis - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)76
- Earnings (ROA)100
- Member growth15
- Liquidity (loan-to-share)65
Weighted composite: 76/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 15.71%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 15.71% | 30% |
| Delinquency Rate | 1.14% | 25% |
| Return on Assets | 0.84% | 15% |
| Member Growth | -3.75% | 15% |
| Loan-to-Share Ratio | 42.10% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $81.6M | 5,008 |
| 2024Q4 | $81.4M | 5,203 |
| 2023Q4 | $78.7M | 5,451 |
Credit Union Details
- Charter Number
- 82793
- Type
- Federal
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Indiana
- City
- Indianapolis
- Data Quarter
- 2025Q4
What This Data Says About Kemba Indianapolis
5,008 members and $81.6M in total assets sit behind Kemba Indianapolis, a federal credit union in Indianapolis, Indiana, which posts a health score of 76/100 (Very Good) on the five-factor composite, with $28.6M in outstanding loans as of Q4 2025 and a net worth ratio of 15.71% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #82793 in peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
On loan book quality: 1.14% of loans are 60+ days past due against the total loan book - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running looser than peers. Meanwhile a 42.10% loan-to-share ratio shows how aggressively member deposits get deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.84% on net income of $688K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -3.75%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Other); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Indiana
A look at other Indiana credit unions, ranked by how closely their peer group and asset size match this one.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Kemba Indianapolis financially healthy?
Yes/no aside, the number is 76/100 (Very Good) - Kemba Indianapolis's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 15.71% net worth ratio and 1.14% delinquency rate are the key drivers.
How does Kemba Indianapolis compare to other credit unions?
On PlainCU's health composite, Kemba Indianapolis lands at 76/100, compared to a peer group average for $50M–$100M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), 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 Indianapolis?
Membership eligibility for Kemba Indianapolis depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Kemba Indianapolis directly for current membership requirements and application steps.
Is my money safe at Kemba Indianapolis?
Federal credit unions like Kemba Indianapolis 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 Indianapolis's net worth ratio of 15.71% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Kemba Indianapolis offer compared to banks?
Credit unions like Kemba Indianapolis 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 Indianapolis directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.