BlastPoint's Credit Union Scorecard
KEMBA ROANOKE
Charter #107 · VA
KEMBA ROANOKE has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Assets: Top 8.9% in tier
- + Total Deposits: Top 9.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.06% below tier average
- - Delinquency rate 0.03% above tier average
- - Member decline: -3.9% YoY
- - Indirect Auto Concentration (%): Bottom 7.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,733
-3.9% YoY+0.1% QoQ
|
+2.1K |
2,625
-2.2% YoY
|
220,190
+7.3% YoY
|
33,089
+6.1% YoY
|
84% |
| Assets |
$76.8M
+3.0% YoY+0.1% QoQ
|
+$47.0M |
$29.9M
+1.1% YoY
|
$2.9B
+6.5% YoY
|
$547.7M
+7.8% YoY
|
Top 8.9% in tier |
| Loans |
$24.0M
-0.4% YoY+0.1% QoQ
|
+$8.2M |
$15.8M
-2.4% YoY
|
$2.1B
+5.3% YoY
|
$388.7M
+8.6% YoY
|
76% |
| Deposits |
$65.1M
+4.4% YoY+0.8% QoQ
|
+$39.6M |
$25.5M
+0.4% YoY
|
$2.4B
+8.1% YoY
|
$464.6M
+9.3% YoY
|
Top 9.1% in tier |
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| ROA |
0.6%
+105.5% YoY+21.6% QoQ
|
-0.1% |
0.7%
-731.4% YoY
|
0.7%
+11.3% YoY
|
0.7%
+273.4% YoY
|
43% |
| NIM |
3.0%
+3.2% YoY+3.0% QoQ
|
-1.0% |
3.9%
+3.8% YoY
|
3.9%
+2.0% YoY
|
3.7%
+5.0% YoY
|
17% |
| Efficiency Ratio |
79.0%
-5.8% YoY-1.8% QoQ
|
-2.4% |
81.4%
-2.4% YoY
|
80.4%
+0.4% YoY
|
79.1%
-3.3% YoY
|
52% |
| Delinquency Rate |
1.5%
-22.1% YoY-7.2% QoQ
|
+0.0 |
1.5%
-2.0% YoY
|
1.7%
+32.7% YoY
|
1.2%
-0.9% YoY
|
73% |
| Loan To Share |
36.8%
-4.5% YoY-0.7% QoQ
|
-24.4% |
61.2%
-3.0% YoY
|
66.7%
-4.2% YoY
|
68.0%
-1.7% YoY
|
16% |
| AMR |
$18,816
+7.2% YoY+0.5% QoQ
|
+$4K |
$14,627
-2.7% YoY
|
$18,613
+1.9% YoY
|
$19,418
+1.3% YoY
|
74% |
| CD Concentration |
27.0%
+6.0% YoY+1.7% QoQ
|
+2.6% |
24.4%
+4.2% YoY
|
18.8%
+3.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
16.7%
+67.3% YoY+11.9% QoQ
|
+2.7% |
14.0%
-5.7% YoY
|
9.7%
-0.5% YoY
|
7.9%
-2.9% YoY
|
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)