BlastPoint's Credit Union Scorecard

KEMBA FINANCIAL

Charter #61623 · OH

Mid-Market 1B-3B

304 CUs in 1B-3B nationally 6 in OH

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KEMBA FINANCIAL has 3 strengths but faces 4 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

OH Analysis

How does OH stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 19.8% in tier
+ ROA 0.23% above tier average
+ Net Interest Margin 0.31% above tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 9.5% in tier
- Credit Quality Pressure: Bottom 13.3% in tier
- Indirect Auto Dependency: Bottom 17.4% in tier
- Liquidity Strain: Bottom 22.1% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	137,293 +3.2% YoY+0.5% QoQ	+38.6K	98,678 -1.9% YoY	16,553 +5.8% YoY	33,089 +6.1% YoY	82%
Assets	$2.4B +3.7% YoY-0.1% QoQ	+$641.1M	$1.7B +0.5% YoY	$245.2M +8.8% YoY	$547.7M +7.8% YoY	80%
Loans	$1.8B +8.6% YoY+2.3% QoQ	+$575.7M	$1.2B +0.5% YoY	$170.6M +8.7% YoY	$388.7M +8.6% YoY	Top 14.1% in tier
Deposits	$1.9B +1.4% YoY-0.4% QoQ	+$491.0M	$1.5B +1.3% YoY	$209.1M +9.7% YoY	$464.6M +9.3% YoY	79%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.9% +24.9% YoY+4.4% QoQ	+0.2%	0.7% +13.4% YoY	0.5% -7.3% YoY	0.7% +273.4% YoY	71%
NIM	3.6% +10.4% YoY+1.1% QoQ	+0.3%	3.3% +9.3% YoY	3.7% +3.3% YoY	3.7% +5.0% YoY	70%
Efficiency Ratio	67.8% -4.2% YoY+0.1% QoQ	-6.1%	74.0% -10.9% YoY	83.9% +3.6% YoY	79.1% -3.3% YoY	26%
Delinquency Rate	0.6% +27.4% YoY+19.3% QoQ	-0.2	0.8% +6.1% YoY	1.5% +29.9% YoY	1.2% -0.9% YoY	45%
Loan To Share	93.0% +7.1% YoY+2.8% QoQ	+7.8%	85.2% -0.8% YoY	63.8% -2.4% YoY	68.0% -1.7% YoY	66%
AMR	$27,344 +1.5% YoY+0.4% QoQ	$-2K	$29,172 +2.8% YoY	$17,099 +5.9% YoY	$19,418 +1.3% YoY	49%
CD Concentration	21.7% -9.8% YoY-6.7% QoQ	-7.2%	29.0% +0.7% YoY	19.2% +8.0% YoY	19.6% +6.2% YoY	19%
Indirect Auto %	30.2% -0.6% YoY+0.0% QoQ	+11.4%	18.8% -3.0% YoY	11.2% -0.8% YoY	7.9% -2.9% YoY	76%

Signature Analysis

Strengths (1)

Organic Growth Engine

growth

#144 of 246 • Top 19.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.20%

(Tier: 3.18%, National: 9.37%)

better than tier avg

Return on Assets: 0.93%

(Tier: 0.71%, National: 0.71%)

better than tier avg

Indirect Auto %: 30.17%

(Tier: 18.77%, National: 7.90%)

but worse than tier avg

246 of 380 Mid-Market CUs have this signature | 917 nationally

↑ Growing +14 CUs YoY | Rank worsening

Concerns (4)

Credit Risk Growth

risk

#54 of 161 • Bottom 9.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 8.62%

(Tier: 6.14%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.13% points

(Tier: 0.07% points, National: 0.07% points)

worse than tier avg

161 of 380 Mid-Market CUs have this signature | 646 nationally

↓ Shrinking -30 CUs YoY | Rank improving

Credit Quality Pressure

risk

#103 of 217 • Bottom 13.3% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.13% points

(Tier: 0.07% points, National: 0.07% points)

worse than tier avg

217 of 380 Mid-Market CUs have this signature | 1002 nationally

↓ Shrinking -70 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#108 of 202 • Bottom 17.4% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 3.67%

(Tier: 5.36%, National: 3.04%)

worse than tier avg

Indirect Auto %: 30.17%

(Tier: 18.77%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 3.20%

(Tier: 3.18%, National: 9.37%)

but better than tier avg

202 of 380 Mid-Market CUs have this signature | 768 nationally

↓ Shrinking -7 CUs YoY | Rank worsening

Liquidity Strain

risk

#117 of 183 • Bottom 22.1% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 92.98%

(Tier: 86.32%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 8.62%

(Tier: 6.14%, National: 36.38%)

but better than tier avg

183 of 380 Mid-Market CUs have this signature | 484 nationally

↑ Growing +10 CUs YoY | New qualifier

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)

Compare against:

Comparing against 304 peers in tier

Top Strengths (6 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 18.03%

Peer Avg: -

#39 of 304 Top 12.5% in 1B-3B tier

Total Loans

balance_sheet

Value: $1.81B

Peer Avg: -

#43 of 304 Top 13.8% in 1B-3B tier

Total Members

engagement

Value: 137,293

Peer Avg: -

#56 of 304 Top 18.1% in 1B-3B tier

Total Assets

balance_sheet

Value: $2.36B

Peer Avg: -

#60 of 304 Top 19.4% in 1B-3B tier

Share Certificate Concentration (%)

balance_sheet

Value: 21.73%

Peer Avg: -

#61 of 304 Top 19.7% in 1B-3B tier

Total Deposits

balance_sheet

Value: $1.95B

Peer Avg: -

#63 of 304 Top 20.4% in 1B-3B tier

Top Weaknesses (2 metrics)

237

Deposit Growth Rate

growth

Value: 1.37%

Peer Avg: -

#237 of 304 Bottom 22.4% in 1B-3B tier

235

Indirect Auto Concentration (%)

balance_sheet

Value: 30.17%

Peer Avg: -

#235 of 304 Bottom 23.0% in 1B-3B tier