Federal credit union · SALEM, Virginia · NCUA charter #107
Kemba Roanoke
Health score 70/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 70
- Health / 100
- $75.7M
- Total assets
- 4,718
- Members
- 16.1%
- Net-worth ratio
Kemba Roanoke scores 70/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $75.7M; members 4,718; net-worth ratio 16.13%; health rank #3,582 of 4,374; healthier than 17th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,582 of 4,374 health · 2025Q4Kemba Roanoke · health 70/100 · $75.7M · 2025Q4
- MEM 70/100
- RANK 16.1%
- PHOTO 1.33%
- BOOK 0.15%
- CHARTER $75.7M
- NCUSIF 4,718
- CAMELS #3,582/4,374
- HEALTH Select Employees
- NW 107
Call Report peers
Kemba Roanoke in the assets neighbourhood
Kemba Roanoke's $75.7M assets sit next to Select Employees ($75.8M) 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 Roanoke 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
70 17th percentile higher than 17% 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 Roanoke - Share Insurance Coverage
Charter #107's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Peer-gap read for Kemba Roanoke
- Largest favorable gap: Net Worth Ratio at 16.13% vs peer 13.62% (+2.51 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -26.26 pp (36.34% vs 62.60%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Kemba Roanoke in Virginia
- Virginia health ordinal: #74 of 95.
- Assets rank #53 of 95 inside Virginia ($75.7M reported).
- Membership ranks #55 of 95 among Virginia CUs with a reported count (4,718 members).
In-state ordinals use the live credit_unions table for VA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Kemba Roanoke: 2025Q4 → 2026Q1
Kemba Roanoke: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.0% from $75.7M (2025Q4) to $77.2M (2026Q1).
- Net-worth ratio shifted -0.14 pp (16.27% → 16.13%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 16.13% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 70/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 70.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 17.5 pts
- Return on Assets 9.7 pts
- Member Growth 3.8 pts
- Loan-to-Share Ratio 9.0 pts
Kemba Roanoke health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.13% | +2.51 pp |
| Delinquency Rate | 1.33% | +0.37 pp |
| Return on Assets | 0.15% | -0.51 pp |
| Member Growth | -2.90% | - |
| Loan-to-Share Ratio | 36.34% | -26.26 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 Roanoke quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $77.2M | - |
| 2025Q4 | $75.7M | 4,718 |
| 2024Q4 | $73.9M | 4,859 |
| 2023Q4 | $75.9M | 5,417 |
Credit Union Details
- Charter Number
- 107
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Virginia
- City
- SALEM
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Kemba Roanoke, spread across 2 cities.
| Office | City |
|---|---|
| KEMBA ROANOKE MAIN (Main Office) | SALEM, VA |
| KEMBA ROANOKE LYNCHBURG | LYNCHBURG, VA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Virginia
Other federally-insured credit unions in Virginia, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Kemba Roanoke's nationwide photo peers by assets and by health score, excluding Virginia charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($75.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (70/100 here).
Using this data
- Kemba Roanoke ranks #3,582 of 4,374 nationally on financial health and #74 of 95 in VA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Rva Financial is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Rva Financial
- Rates and health both vary by institution, not just by state -- see how Virginia credit unions compare overall before assuming this one is typical. Virginia 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 Roanoke financially healthy?
Yes/no aside, the number is 70/100 (Very Good) - Kemba Roanoke'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 #3,582 of 4,374; by total assets it ranks #2,064 of 4,374 nationally (same basis as /rankings/largest); and #53 of 95 within Virginia. Above 80 reads excellent, below 50 warrants closer monitoring; a 16.13% net worth ratio and 1.33% delinquency rate are the key drivers.
How does Kemba Roanoke compare to other credit unions?
70/100 is Kemba Roanoke's score on PlainCU's health composite, compared to a peer group average for $50M–$100M 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 Roanoke?
Kemba Roanoke 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 Roanoke directly for the exact boundaries and application steps.
Is my money safe at Kemba Roanoke?
Federal credit unions like Kemba Roanoke 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 Roanoke's net worth ratio of 16.13% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Kemba Roanoke offer compared to banks?
Credit unions like Kemba Roanoke 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 Roanoke 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.