State credit union · Louisville, Kentucky · NCUA charter #62358
Kemba Louisville
Health score 61/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 61
- Health / 100
- $59.0M
- Total assets
- 4,034
- Members
- 20.6%
- Net-worth ratio
Kemba Louisville - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #62358. See our deposit-insurance coverage note.
Kemba Louisville - 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)33
- Earnings (ROA)88
- Member growth8
- Liquidity (loan-to-share)56
Weighted composite: 61/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 20.62% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 20.62% | 30% |
| Delinquency Rate | 2.68% | 25% |
| Return on Assets | 0.38% | 15% |
| Member Growth | -4.32% | 15% |
| Loan-to-Share Ratio | 26.76% | 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 | $59.0M | 4,034 |
| 2024Q4 | $58.3M | 4,216 |
| 2023Q4 | $58.2M | 4,346 |
Credit Union Details
- Charter Number
- 62358
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Kentucky
- City
- Louisville
- Data Quarter
- 2025Q4
What This Data Says About Kemba Louisville
Kemba Louisville is a state credit union headquartered in Louisville, Kentucky, serving 4,034 members with $59.0M in total assets and $12.4M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 61/100 (Good), anchored by a net worth ratio of 20.62% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #62358 operates under peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 2.68% measures loans 60+ days past due against total loans outstanding - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running looser than peers. The loan-to-share ratio of 26.76% indicates how aggressively member deposits are being deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.38% on net income of $222K 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 -4.32%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Other). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Kentucky
More federally-insured credit unions based in Kentucky, ordered by peer group match and asset size.
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 Louisville financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Kemba Louisville carries a financial health score of 61/100 (Good). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 20.62% net worth ratio and a 2.68% delinquency rate.
How does Kemba Louisville compare to other credit unions?
Five weighted metrics from NCUA filings produce Kemba Louisville's 61/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Louisville?
Membership eligibility for Kemba Louisville depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Kemba Louisville directly for current membership requirements and application steps.
Is my money safe at Kemba Louisville?
Federal credit unions like Kemba Louisville 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 Louisville's net worth ratio of 20.62% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Kemba Louisville offer compared to banks?
Credit unions like Kemba Louisville 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 Louisville 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.