KEMBA CHARLESTON
Charter #108 | WV
<100M
(2596 CUs)
Micro
($0-$500M)
63 <100M in WV
KEMBA CHARLESTON has 3 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 8.4% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 4.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.03% below tier average
- - AMR Growth Rate: Bottom 7.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,922
+8.4% YoY+15.4% QoQ
|
+1.3K |
2,625
-2.2% YoY
|
5,095
+0.6% YoY
|
33,089
+6.1% YoY
|
Top 22.1% in tier |
| Assets |
$45.0M
+1.8% YoY+0.2% QoQ
|
+$15.1M |
$29.9M
+1.1% YoY
|
$68.6M
+3.5% YoY
|
$547.7M
+7.8% YoY
|
74th in tier |
| Loans |
$14.7M
-10.3% YoY-0.8% QoQ
|
$-1.1M |
$15.8M
-2.4% YoY
|
$38.2M
+0.9% YoY
|
$388.7M
+8.6% YoY
|
61st in tier |
| Deposits |
$35.4M
+1.7% YoY-0.1% QoQ
|
+$10.0M |
$25.5M
+0.4% YoY
|
$58.7M
+3.0% YoY
|
$464.6M
+9.3% YoY
|
71st in tier |
| ROA |
0.7%
-32.0% YoY+28.5% QoQ
|
-0.0% |
0.7%
-731.4% YoY
|
1.0%
+49.4% YoY
|
0.7%
+273.4% YoY
|
44th in tier |
| NIM |
2.9%
-8.9% YoY+2.8% QoQ
|
-1.1% |
3.9%
+3.8% YoY
|
3.9%
+3.9% YoY
|
3.7%
+5.0% YoY
|
Bottom 14.2% in tier |
| Efficiency Ratio |
79.7%
+11.3% YoY-4.7% QoQ
|
-1.7% |
81.4%
-2.4% YoY
|
72.7%
-3.2% YoY
|
79.1%
-3.3% YoY
|
54th in tier |
| Delinquency Rate |
1.2%
+40.7% YoY-0.5% QoQ
|
-0.3 |
1.5%
-2.0% YoY
|
1.3%
-29.4% YoY
|
1.2%
-0.9% YoY
|
66th in tier |
| Loan To Share |
41.6%
-11.8% YoY-0.7% QoQ
|
-19.7% |
61.2%
-3.0% YoY
|
60.8%
-6.8% YoY
|
68.0%
-1.7% YoY
|
Bottom 20.7% in tier |
| AMR |
$12,779
-9.7% YoY-13.6% QoQ
|
$-2K |
$14,627
-2.7% YoY
|
$14,844
+2.4% YoY
|
$19,418
+1.3% YoY
|
44th in tier |
| CD Concentration |
23.7%
+6.0% YoY+3.2% QoQ
|
-0.7% |
24.4%
+4.2% YoY
|
16.2%
+7.9% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
2.3%
-13.6% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
106
Member Growth Rate
growth
Value:
8.40%
Peer Avg: 14.92%
#106 of 2596
Top 4.0% in <100M tier
415
Members Per Employee (MPE)
engagement
Value:
490.250
Peer Avg: 365.701
#415 of 2596
Top 15.9% in <100M tier
567
Net Worth Ratio
risk
Value:
20.13%
Peer Avg: 16.43%
#567 of 2596
Top 21.8% in <100M tier
574
Total Members
engagement
Value:
3,922
Peer Avg: 2,626
#574 of 2596
Top 22.1% in <100M tier
Top Weaknesses (4 metrics)
2391
AMR Growth Rate
growth
Value:
-9.73%
Peer Avg: 4.67%
#2391 of 2596
Bottom 7.9% in <100M tier
2228
Net Interest Margin (NIM)
profitability
Value:
2.86%
Peer Avg: 3.93%
#2228 of 2596
Bottom 14.2% in <100M tier
2064
Loan Growth Rate
growth
Value:
-10.31%
Peer Avg: 59.01%
#2064 of 2596
Bottom 20.5% in <100M tier
2054
Loan-to-Share Ratio
balance_sheet
Value:
41.56%
Peer Avg: 61.23%
#2054 of 2596
Bottom 20.9% in <100M tier