Federal credit union · SALEM, Virginia · NCUA charter #107
Kemba Roanoke
Health score 70/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 70
- Health / 100
- $75.7M
- Total assets
- 4,718
- Members
- 16.3%
- Net-worth ratio
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.
Kemba Roanoke - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)70
- Earnings (ROA)65
- Member growth25
- Liquidity (loan-to-share)62
Weighted composite: 70/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 16.27% 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 | 16.27% | 30% |
| Delinquency Rate | 1.33% | 25% |
| Return on Assets | 0.15% | 15% |
| Member Growth | -2.90% | 15% |
| Loan-to-Share Ratio | 36.34% | 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 | $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
What This Data Says About Kemba Roanoke
Charter #107, peer group $50M–$100M, a cohort of 584 similarly-sized institutions: that's Kemba Roanoke, a federal credit union in SALEM, Virginia with 4,718 members, $75.7M in total assets, and $23.4M in outstanding loans as of Q4 2025. The five-factor composite scores it 70/100 (Very Good), helped by a net worth ratio of 16.27% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Two more numbers round out the picture: a 1.33% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running looser than peers - and a 36.34% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.15% on net income of $112K 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 -2.90%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Community); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Virginia
Other federally-insured credit unions in Virginia, closest first by peer group 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 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. Above 80 reads excellent, below 50 warrants closer monitoring; a 16.27% 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 16.27% 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.
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.