Federal credit union · Indianapolis, Indiana · NCUA charter #82793
Kemba Indianapolis
Health score 76/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 76
- Health / 100
- $81.6M
- Total assets
- 5,008
- Members
- 15.4%
- Net-worth ratio
Kemba Indianapolis scores 76/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $81.6M; members 5,008; net-worth ratio 15.38%; health rank #3,159 of 4,374; healthier than 26th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,159 of 4,374 health · 2025Q4Kemba Indianapolis · health 76/100 · $81.6M · 2025Q4
- NW 76/100
- DELQ 15.4%
- ROA 1.14%
- ASSETS 0.84%
- MEM $81.6M
- RANK 5,008
- PHOTO #3,159/4,374
- BOOK Pittsburgh Firefighters'
- CHARTER 82793
Call Report peers
Kemba Indianapolis in the assets neighbourhood
Kemba Indianapolis's $81.6M assets sit next to Pittsburgh Firefighters' ($81.4M) 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 Indianapolis 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
76 26th percentile higher than 26% 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 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.
Where Kemba Indianapolis diverges from peer averages
- Largest favorable gap: Net Worth Ratio at 15.38% vs peer 13.62% (+1.76 pp).
- Loan-to-Share Ratio trails the peer set - 42.10% here, 62.60% peer average (-20.50 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Indiana standing for Kemba Indianapolis
- Indiana health ordinal: #88 of 124.
- By total assets, Kemba Indianapolis is #55 of 124 in Indiana.
- Membership ranks #61 of 124 among Indiana CUs with a reported count (5,008 members).
In-state ordinals use the live credit_unions table for IN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Kemba Indianapolis
Kemba Indianapolis: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.1% from $81.6M (2025Q4) to $84.2M (2026Q1).
- Net-worth ratio shifted -0.33 pp (15.71% → 15.38%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 15.38%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 76/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 76.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.0 pts
- Return on Assets 15.0 pts
- Member Growth 2.3 pts
- Loan-to-Share Ratio 9.7 pts
Kemba Indianapolis vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.38% | +1.76 pp |
| Delinquency Rate | 1.14% | +0.18 pp |
| Return on Assets | 0.84% | +0.18 pp |
| Member Growth | -3.75% | - |
| Loan-to-Share Ratio | 42.10% | -20.50 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $84.2M | - |
| 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
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Kemba Indianapolis, spread across 2 cities in 2 states.
| Office | City |
|---|---|
| Main Office (Main Office) | Indianapolis, IN |
| Fiserv - Portico | Frisco, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
Kemba Indianapolis nationwide neighbourhoods
Cross-state asset and health neighbours for Kemba Indianapolis - kept outside Indiana; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($81.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (76/100 here).
Using this data
- Kemba Indianapolis ranks #3,159 of 4,374 nationally on financial health and #88 of 124 in IN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Harvester Financial is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Harvester Financial
- Rates and health both vary by institution, not just by state -- see how Indiana credit unions compare overall before assuming this one is typical. Indiana 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 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,159 of 4,374; by total assets it ranks #1,998 of 4,374 nationally (same basis as /rankings/largest); and #55 of 124 within Indiana. Above 80 reads excellent, below 50 warrants closer monitoring; a 15.38% 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 15.38% 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.
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.