KEMBA FINANCIAL

Charter #61623 | OH

1B-3B (304 CUs) Mid-Market (380 CUs)
6 1B-3B in OH

KEMBA FINANCIAL has 5 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 19.8% in tier
  • + Wallet Share Momentum: Top 32.3% in tier
  • + Relationship Depth Leader: Top 35.9% in tier
  • + ROA 0.23% above tier average
  • + Net Interest Margin 0.31% above tier average

Key Concerns

Areas that may need attention

  • - Growth-at-Risk: 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
  • - Liquidity Overhang: Bottom 29.9% 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
 Top 18.4% in tier
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
 Top 19.7% in tier
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
 Top 20.7% in tier
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
 71st in tier
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
 70th in tier
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
 26th in tier
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
 45th in tier
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
 66th in tier
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
 49th in tier
CD Concentration 21.7%
-9.8% YoY-6.7% QoQ
 -7.3% 29.0%
+0.8% YoY
 19.2%
+8.0% YoY
 19.6%
+6.2% YoY
 Bottom 18.7% in tier
Indirect Auto % 30.2%
-0.6% YoY+0.0% QoQ
 +11.4% 18.8%
-2.8% YoY
 11.2%
-0.8% YoY
 7.9%
-2.9% YoY
 Top 24.0% in tier

Signature Analysis

Strengths (3)

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: 18.80%, 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

Wallet Share Momentum

growth
#234 of 264 • Top 32.3% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 1.50%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#260 of 264 • Top 35.9% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 1.50%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $1.8K
(Tier: $3.1K, National: $2.0K)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Concerns (5)

Growth-at-Risk

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: 18.80%, 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: 86.35%, 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

Liquidity Overhang

risk
#97 of 113 • Bottom 29.9% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 12.45%
(Tier: 11.30%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 92.98%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
113 of 380 Mid-Market CUs have this signature | 691 nationally
↑ Growing +9 CUs YoY | Rank worsening

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)

Comparing against 304 peers in tier

Top Strengths (6 metrics)

39
First Mortgage Concentration (%)
balance_sheet
Value: 18.03%
Peer Avg: 34.01%
#39 of 304 Top 12.5% in 1B-3B tier
43
Total Loans
balance_sheet
Value: $1.81B
Peer Avg: $1.23B
#43 of 304 Top 13.8% in 1B-3B tier
56
Total Members
engagement
Value: 137,293
Peer Avg: 98,678
#56 of 304 Top 18.1% in 1B-3B tier
60
Total Assets
balance_sheet
Value: $2.36B
Peer Avg: $1.72B
#60 of 304 Top 19.4% in 1B-3B tier
61
Share Certificate Concentration (%)
balance_sheet
Value: 21.73%
Peer Avg: 28.53%
#61 of 304 Top 19.7% in 1B-3B tier
63
Total Deposits
balance_sheet
Value: $1.95B
Peer Avg: $1.45B
#63 of 304 Top 20.4% in 1B-3B tier

Top Weaknesses (2 metrics)

237
Deposit Growth Rate
growth
Value: 1.37%
Peer Avg: 5.58%
#237 of 304 Bottom 22.4% in 1B-3B tier
235
Indirect Auto Concentration (%)
balance_sheet
Value: 30.17%
Peer Avg: 18.32%
#235 of 304 Bottom 23.0% in 1B-3B tier