BlastPoint's Credit Union Scorecard
KEMBA DELTA
Charter #24220 · TN
KEMBA DELTA has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.36% above tier average
- + Net Interest Margin 1.18% above tier average
- + Members Per Employee (MPE): Top 2.7% in tier
- + Net Worth Ratio: Top 6.3% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.62% above tier average
- - Net Charge-Off Rate: Bottom 5.6% 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 84 that size in Tennessee.
- Shares and deposits +1.6% year over year ($21.4M in shares and deposits).
- Membership: 4,943 members, -1.5% vs a year ago.
- Delinquency rate 3.17%.
- Return on assets 1.85%.
- Efficiency ratio 63.25% vs a 88.77% peer average.
- Loan-to-share ratio 46.16% 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 (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,943
-1.5% YoY-0.2% QoQ
|
+2.4K |
2,585
-1.7% YoY
|
22,058
+4.8% YoY
|
34,678
+6.6% YoY
|
Top 13.8% in tier |
| Assets |
$31.2M
+3.2% YoY-1.5% QoQ
|
+$939K |
$30.3M
+1.5% YoY
|
$390.3M
+9.5% YoY
|
$593.1M
+10.2% YoY
|
61% |
| Loans |
$9.9M
-7.9% YoY-3.2% QoQ
|
$-5.6M |
$15.5M
-1.7% YoY
|
$289.3M
+8.5% YoY
|
$418.6M
+10.1% YoY
|
51% |
| Deposits |
$21.4M
+1.6% YoY-2.6% QoQ
|
$-4.4M |
$25.8M
+1.1% YoY
|
$326.4M
+8.9% YoY
|
$504.8M
+10.3% YoY
|
54% |
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| ROA |
1.9%
-10.9% YoY+12.9% QoQ
|
+0.4% |
1.5%
+241.5% YoY
|
1.1%
+46.9% YoY
|
1.2%
+121.4% YoY
|
Top 12.0% in tier |
| NIM |
5.1%
-2.3% YoY-1.0% QoQ
|
+1.2% |
3.9%
+0.9% YoY
|
3.9%
+2.1% YoY
|
3.8%
+2.3% YoY
|
Top 10.7% in tier |
| Efficiency Ratio |
63.2%
-4.5% YoY+3.3% QoQ
|
-25.5% |
88.8%
-6.9% YoY
|
78.9%
+2.6% YoY
|
83.0%
-5.3% YoY
|
15% |
| Delinquency Rate |
3.2%
+137.0% YoY+35.0% QoQ
|
+1.6 |
1.5%
+2.1% YoY
|
1.1%
-1.7% YoY
|
1.3%
+2.6% YoY
|
Bottom 12.4% in tier |
| Loan To Share |
46.2%
-9.4% YoY-0.6% QoQ
|
-12.7% |
58.9%
-3.1% YoY
|
68.7%
-1.7% YoY
|
66.4%
-1.4% YoY
|
31% |
| AMR |
$6,340
-0.1% YoY-2.6% QoQ
|
$-9K |
$14,963
-6.8% YoY
|
$19,228
+3.5% YoY
|
$20,028
-0.9% YoY
|
Bottom 12.6% in tier |
| CD Concentration |
11.2%
+15.2% YoY+10.6% QoQ
|
-13.4% | 24.6% | 22.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.8% | 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)