KEMBA DELTA
Charter #24220 | TN
<100M
(2596 CUs)
Micro
($0-$500M)
88 <100M in TN
KEMBA DELTA has 6 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.34% above tier average
- + Net Interest Margin 1.16% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 2.6% in tier
- + Net Worth Ratio: Top 6.9% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.79% above tier average
- - Loan Growth Rate: Bottom 10.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,998
-0.4% YoY-0.4% QoQ
|
+2.4K |
2,625
-2.2% YoY
|
21,139
+4.9% YoY
|
33,089
+6.1% YoY
|
Top 14.0% in tier |
| Assets |
$30.5M
+5.2% YoY+0.7% QoQ
|
+$609K |
$29.9M
+1.1% YoY
|
$362.5M
+9.5% YoY
|
$547.7M
+7.8% YoY
|
61st in tier |
| Loans |
$9.6M
-16.1% YoY-10.8% QoQ
|
$-6.2M |
$15.8M
-2.4% YoY
|
$271.1M
+9.1% YoY
|
$388.7M
+8.6% YoY
|
50th in tier |
| Deposits |
$21.2M
+3.4% YoY+0.3% QoQ
|
$-4.3M |
$25.5M
+0.4% YoY
|
$303.0M
+8.7% YoY
|
$464.6M
+9.3% YoY
|
54th in tier |
| ROA |
2.0%
-5.2% YoY-2.6% QoQ
|
+1.3% |
0.7%
-731.4% YoY
|
0.8%
+4.1% YoY
|
0.7%
+273.4% YoY
|
Top 8.7% in tier |
| NIM |
5.1%
+2.1% YoY-2.0% QoQ
|
+1.2% |
3.9%
+3.8% YoY
|
3.8%
+5.1% YoY
|
3.7%
+5.0% YoY
|
Top 12.7% in tier |
| Efficiency Ratio |
66.6%
+4.5% YoY+0.5% QoQ
|
-14.8% |
81.4%
-2.4% YoY
|
75.4%
-1.8% YoY
|
79.1%
-3.3% YoY
|
Bottom 24.3% in tier |
| Delinquency Rate |
2.3%
+23.4% YoY+72.2% QoQ
|
+0.8 |
1.5%
-2.0% YoY
|
1.1%
+8.5% YoY
|
1.2%
-0.9% YoY
|
Top 16.9% in tier |
| Loan To Share |
45.3%
-18.9% YoY-11.0% QoQ
|
-15.9% |
61.2%
-3.0% YoY
|
70.4%
-2.4% YoY
|
68.0%
-1.7% YoY
|
26th in tier |
| AMR |
$6,153
-3.3% YoY-3.1% QoQ
|
$-8K |
$14,627
-2.7% YoY
|
$18,470
+2.4% YoY
|
$19,418
+1.3% YoY
|
Bottom 12.4% in tier |
| CD Concentration |
10.0%
+35.0% YoY+2.8% QoQ
|
-14.4% |
24.4%
+4.2% YoY
|
22.3%
+6.6% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
6.9%
+1.1% 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 (10 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
68
Members Per Employee (MPE)
engagement
Value:
833.000
Peer Avg: 365.701
#68 of 2596
Top 2.6% in <100M tier
181
Net Worth Ratio
risk
Value:
28.60%
Peer Avg: 16.43%
#181 of 2596
Top 6.9% in <100M tier
225
Return on Assets (ROA)
profitability
Value:
2.02%
Peer Avg: 0.68%
#225 of 2596
Top 8.6% in <100M tier
329
Net Interest Margin (NIM)
profitability
Value:
5.10%
Peer Avg: 3.93%
#329 of 2596
Top 12.6% in <100M tier
364
Total Members
engagement
Value:
4,998
Peer Avg: 2,626
#364 of 2596
Top 14.0% in <100M tier
530
Fee Income Per Member
profitability
Value:
$130.14
Peer Avg: $182.96
#530 of 2596
Top 20.4% in <100M tier
631
Efficiency Ratio
profitability
Value:
66.59%
Peer Avg: 81.39%
#631 of 2596
Top 24.3% in <100M tier
641
Asset Growth Rate
growth
Value:
5.17%
Peer Avg: 1.82%
#641 of 2596
Top 24.7% in <100M tier
Top Weaknesses (6 metrics)
2338
Loan Growth Rate
growth
Value:
-16.14%
Peer Avg: 59.01%
#2338 of 2596
Bottom 10.0% in <100M tier
2281
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,920
Peer Avg: $5,488
#2281 of 2596
Bottom 12.2% in <100M tier
2274
Average Member Relationship (AMR)
engagement
Value:
$6,153
Peer Avg: $14,627
#2274 of 2596
Bottom 12.4% in <100M tier
2217
Net Charge-Off Rate
risk
Value:
0.98%
Peer Avg: 0.57%
#2217 of 2596
Bottom 14.6% in <100M tier
2157
Total Delinquency Rate (60+ days)
risk
Value:
2.30%
Peer Avg: 1.51%
#2157 of 2596
Bottom 16.9% in <100M tier
1983
AMR Growth Rate
growth
Value:
-3.25%
Peer Avg: 4.67%
#1983 of 2596
Bottom 23.7% in <100M tier