BlastPoint's Credit Union Scorecard
KEMBA ROANOKE
Charter #107 · VA
KEMBA ROANOKE has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Assets: Top 9.6% in tier
- + Total Deposits: Top 9.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.08% below tier average
- - Member decline: -2.9% YoY
- - Indirect Auto Concentration (%): Bottom 6.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,718
-2.9% YoY-0.3% QoQ
|
+2.1K |
2,615
-1.9% YoY
|
222,299
+7.3% YoY
|
33,374
+5.7% YoY
|
84% |
| Assets |
$75.7M
+2.4% YoY-1.4% QoQ
|
+$45.6M |
$30.1M
+2.1% YoY
|
$2.9B
+9.9% YoY
|
$561.6M
+9.7% YoY
|
Top 9.6% in tier |
| Loans |
$23.4M
-1.9% YoY-2.5% QoQ
|
+$7.6M |
$15.8M
-1.3% YoY
|
$2.1B
+6.6% YoY
|
$397.0M
+8.8% YoY
|
75% |
| Deposits |
$64.3M
+4.1% YoY-1.2% QoQ
|
+$38.6M |
$25.7M
+1.4% YoY
|
$2.5B
+10.1% YoY
|
$477.3M
+9.7% YoY
|
Top 9.7% in tier |
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| ROA |
0.5%
+261.4% YoY-12.6% QoQ
|
-0.1% |
0.6%
+10.8% YoY
|
0.6%
+3.1% YoY
|
0.7%
+15.9% YoY
|
42% |
| NIM |
3.1%
+8.3% YoY+2.6% QoQ
|
-0.9% |
4.0%
+4.0% YoY
|
3.9%
+2.0% YoY
|
3.8%
+5.1% YoY
|
20% |
| Efficiency Ratio |
79.6%
-6.1% YoY+0.7% QoQ
|
-2.9% |
82.6%
-2.3% YoY
|
80.2%
-0.6% YoY
|
79.7%
-3.3% YoY
|
50% |
| Delinquency Rate |
1.3%
-22.4% YoY-13.5% QoQ
|
-0.2 |
1.6%
-3.1% YoY
|
1.4%
-11.9% YoY
|
1.3%
-2.1% YoY
|
68% |
| Loan To Share |
36.3%
-5.8% YoY-1.3% QoQ
|
-24.3% |
60.6%
-3.1% YoY
|
65.1%
-5.8% YoY
|
67.4%
-1.7% YoY
|
16% |
| AMR |
$18,590
+5.4% YoY-1.2% QoQ
|
+$4K |
$14,783
-1.4% YoY
|
$18,904
+2.4% YoY
|
$19,687
+2.0% YoY
|
73% |
| CD Concentration |
28.1%
+6.9% YoY+4.1% QoQ
|
+3.7% | 24.4% | 18.3% | 19.8% | 50% |
| Indirect Auto % |
17.7%
+63.3% YoY+6.1% QoQ
|
+3.9% | 13.8% | 9.6% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)