BlastPoint's Credit Union Scorecard
KEMBA CHARLESTON
Charter #108 · WV
KEMBA CHARLESTON has 2 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 8.3% YoY
- + Member Growth Rate: Top 4.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.86% below tier average
- - AMR Growth Rate: Bottom 7.1% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 63 that size in West Virginia.
- Shares and deposits -1.1% year over year ($35.1M in shares and deposits).
- Membership: 3,682 members, +8.3% vs a year ago.
- Delinquency rate 1.00%.
- Return on assets 0.64%.
- Efficiency ratio 80.84% vs a 88.77% peer average.
- Loan-to-share ratio 39.04% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,682
+8.3% YoY+7.7% QoQ
|
+1.1K |
2,585
-1.7% YoY
|
5,079
-0.5% YoY
|
34,678
+6.6% YoY
|
76% |
| Assets |
$44.7M
-0.2% YoY-2.2% QoQ
|
+$14.5M |
$30.3M
+1.5% YoY
|
$71.2M
+3.6% YoY
|
$593.1M
+10.2% YoY
|
73% |
| Loans |
$13.7M
-7.7% YoY+0.4% QoQ
|
$-1.8M |
$15.5M
-1.7% YoY
|
$38.5M
+1.2% YoY
|
$418.6M
+10.1% YoY
|
60% |
| Deposits |
$35.1M
-1.1% YoY-3.0% QoQ
|
+$9.3M |
$25.8M
+1.1% YoY
|
$60.8M
+2.9% YoY
|
$504.8M
+10.3% YoY
|
70% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.6%
+25.7% YoY+19.6% QoQ
|
-0.9% |
1.5%
+241.5% YoY
|
1.1%
+25.0% YoY
|
1.2%
+121.4% YoY
|
40% |
| NIM |
3.0%
+8.8% YoY+2.2% QoQ
|
-0.9% |
3.9%
+0.9% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
18% |
| Efficiency Ratio |
80.8%
-3.3% YoY-3.2% QoQ
|
-7.9% |
88.8%
-6.9% YoY
|
78.0%
+6.1% YoY
|
83.0%
-5.3% YoY
|
50% |
| Delinquency Rate |
1.0%
-16.9% YoY+103.0% QoQ
|
-0.5 |
1.5%
+2.1% YoY
|
1.4%
+1.7% YoY
|
1.3%
+2.6% YoY
|
61% |
| Loan To Share |
39.0%
-6.7% YoY+3.4% QoQ
|
-19.8% |
58.9%
-3.1% YoY
|
58.3%
-3.5% YoY
|
66.4%
-1.4% YoY
|
20% |
| AMR |
$13,241
-10.4% YoY-9.0% QoQ
|
$-2K |
$14,963
-6.8% YoY
|
$15,001
+0.4% YoY
|
$20,028
-0.9% YoY
|
46% |
| CD Concentration |
24.3%
+5.6% YoY+1.1% QoQ
|
-0.3% | 24.6% | 16.8% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 1.9% | 7.7% | 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)