State credit union · Louisville, Kentucky · NCUA charter #62358
Kemba Louisville
Health score 61/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 61
- Health / 100
- $59.0M
- Total assets
- 4,034
- Members
- 20.4%
- Net-worth ratio
Kemba Louisville scores 61/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $59.0M; members 4,034; net-worth ratio 20.38%; health rank #4,017 of 4,374; healthier than 8th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#4,017 of 4,374 health · 2025Q4Kemba Louisville · health 61/100 · $59.0M · 2025Q4
- ASSETS 61/100
- MEM 20.4%
- RANK 2.68%
- PHOTO 0.38%
- BOOK $59.0M
- CHARTER 4,034
- NCUSIF #4,017/4,374
- CAMELS Gratiot Community
- HEALTH 62358
Call Report peers
Kemba Louisville in the assets neighbourhood
Kemba Louisville's $59.0M assets sit next to Gratiot Community ($59.0M) 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 Louisville 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
61 8th percentile higher than 8% 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 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: Call Report deltas vs peers
- Strongest edge vs 584 $50M–$100M peers is Net Worth Ratio: +6.76 pp (20.38% vs 13.62%).
- Largest lag: Loan-to-Share Ratio at 26.76% vs peer 62.60% (-35.84 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Kentucky standing for Kemba Louisville
- In Kentucky, health place is #50 of 54 on the same NCUA-ratio sort used nationally.
- Kentucky assets place: #25 of 54.
- Member book place in Kentucky: #28 of 54.
In-state ordinals use the live credit_unions table for KY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Kemba Louisville
Kemba Louisville: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.1% from $59.0M (2025Q4) to $60.2M (2026Q1).
- Net-worth ratio shifted -0.24 pp (20.62% → 20.38%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 20.38% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 61/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 61.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 8.2 pts
- Return on Assets 13.1 pts
- Member Growth 1.2 pts
- Loan-to-Share Ratio 8.5 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 20.38% | +6.76 pp |
| Delinquency Rate | 2.68% | +1.72 pp |
| Return on Assets | 0.38% | -0.28 pp |
| Member Growth | -4.32% | - |
| Loan-to-Share Ratio | 26.76% | -35.84 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).
Kemba Louisville filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $60.2M | - |
| 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
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Kemba Louisville, spread across 2 cities in 2 states.
| Office | City |
|---|---|
| Main office (Main Office) | Louisville, KY |
| CU Services, Inc. | Chattanooga, TN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Kentucky
More federally-insured credit unions based in Kentucky, ordered by peer group match and asset size.
Other-state peers near Kemba Louisville
Cross-state asset and health neighbours for Kemba Louisville - kept outside Kentucky; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($59.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (61/100 here).
Using this data
- Kemba Louisville ranks #4,017 of 4,374 nationally on financial health and #50 of 54 in KY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Green River Area is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Green River Area
- Rates and health both vary by institution, not just by state -- see how Kentucky credit unions compare overall before assuming this one is typical. Kentucky 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 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 the national health ranking (same basis as /rankings/healthiest), it sits at #4,017 of 4,374; by total assets it ranks #2,275 of 4,374 nationally (same basis as /rankings/largest); and #25 of 54 within Kentucky. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 20.38% 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 20.38% 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.
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.