BlastPoint's Credit Union Scorecard

KEMBA FINANCIAL

Charter #61623 · OH

Mid-Market 1B-3B

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

View Mid-Market leaderboard →

KEMBA FINANCIAL has 2 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

+ ROA 0.27% above tier average
+ Net Interest Margin 0.29% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 16.1% in tier
- Liquidity Strain: Bottom 35.5% in tier
- Credit Risk Growth: Bottom 47.4% in tier
- Indirect Auto Dependency: Bottom 67.4% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	140,458 +3.8% YoY+1.2% QoQ	+44.4K	96,048 -2.7% YoY	16,936 +6.2% YoY	33,913 +5.7% YoY	Top 14.7% in tier
Assets	$2.4B +3.4% YoY-0.3% QoQ	+$698.7M	$1.7B +0.4% YoY	$257.9M +8.7% YoY	$578.3M +9.0% YoY	83%
Loans	$1.8B +6.4% YoY+1.1% QoQ	+$629.7M	$1.2B +0.2% YoY	$174.2M +8.4% YoY	$402.4M +8.7% YoY	Top 12.7% in tier
Deposits	$2.0B +4.4% YoY+1.1% QoQ	+$565.8M	$1.5B +0.5% YoY	$221.5M +9.0% YoY	$494.3M +9.1% YoY	82%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.0% +28.6% YoY-0.6% QoQ	+0.3%	0.7% +27.6% YoY	0.6% +16.1% YoY	0.4% -39.2% YoY	78%
NIM	3.6% +3.6% YoY+2.4% QoQ	+0.3%	3.4% +6.2% YoY	3.7% +1.7% YoY	3.8% +4.1% YoY	69%
Efficiency Ratio	66.4% -4.9% YoY-0.2% QoQ	-8.2%	74.6% -3.0% YoY	82.0% -2.0% YoY	84.6% +2.8% YoY	16%
Delinquency Rate	0.6% +59.1% YoY+0.6% QoQ	-0.1	0.8% +6.9% YoY	1.4% +35.7% YoY	1.2% +3.4% YoY	48%
Loan To Share	90.8% +1.8% YoY-0.1% QoQ	+7.6%	83.2% -0.4% YoY	61.3% -2.1% YoY	65.6% -1.4% YoY	68%
AMR	$27,587 +1.5% YoY-0.1% QoQ	$-2K	$29,652 +2.3% YoY	$17,686 +5.3% YoY	$19,920 +1.6% YoY	46%
CD Concentration	21.5% -11.4% YoY-6.7% QoQ	-7.3%	28.8%	19.4%	19.8%	20%
Indirect Auto %	30.1% -1.0% YoY+2.9% QoQ	+12.0%	18.1%	11.4%	7.7%	78%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Credit Quality Pressure

risk

#61 of 225 • Bottom 16.1% in tier

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

Why This Signature

Delinquency Change (YoY): 0.23% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 CUs YoY | New qualifier

Credit Risk Growth

risk

#64 of 183 • Bottom 47.4% in tier

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

Why This Signature

Loan Growth (YoY): 6.36%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.23% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

183 of 384 Mid-Market CUs have this signature | 710 nationally

→ No prior data (183 CUs now) | New qualifier

Indirect Auto Dependency

risk

#134 of 198 • Bottom 67.4% in tier

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

Why This Signature

Asset Growth (YoY): 3.42%

(Tier: 6.82%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 30.05%

(Tier: 18.07%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 3.79%

(Tier: 3.50%, National: 10.19%)

but better than tier avg

198 of 384 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -10 CUs YoY | Rank worsening

Liquidity Strain

risk

#126 of 148 • Bottom 35.5% in tier

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

Why This Signature

Loan-to-Share Ratio: 90.75%

(Tier: 84.20%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 6.36%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

148 of 384 Mid-Market CUs have this signature | 367 nationally

→ Stable (149→148 CUs) -1 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 306 peers in tier

Top Strengths (9 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 17.77%

Peer Median: 33.05%

#37 of 306 Top 11.8% in 1B-3B tier

Total Loans

balance_sheet

Value: $1.84B

Peer Median: $1.11B

#39 of 306 Top 12.4% in 1B-3B tier

Total Members

engagement

Value: 140,458

Peer Median: 85,918

#45 of 306 Top 14.4% in 1B-3B tier

Efficiency Ratio

profitability

Value: 66.42%

Peer Median: 75.16%

#50 of 306 Top 16.0% in 1B-3B tier

Total Assets

balance_sheet

Value: $2.42B

Peer Median: $1.51B

#53 of 306 Top 17.0% in 1B-3B tier

Total Deposits

balance_sheet

Value: $2.03B

Peer Median: $1.31B

#56 of 306 Top 18.0% in 1B-3B tier

Share Certificate Concentration (%)

balance_sheet

Value: 21.50%

Peer Median: 27.93%

#64 of 306 Top 20.6% in 1B-3B tier

Return on Assets (ROA)

profitability

Value: 0.99%

Peer Median: 0.66%

#68 of 306 Top 21.9% in 1B-3B tier

Net Worth Ratio

risk

Value: 12.64%

Peer Median: 10.85%

#76 of 306 Top 24.5% in 1B-3B tier

Top Weaknesses (1 metrics)

241

Indirect Auto Concentration (%)

balance_sheet

Value: 30.05%

Peer Median: 13.86%

#241 of 306 Bottom 21.6% in 1B-3B tier