BlastPoint's Credit Union Scorecard

KEMBA FINANCIAL

Charter #61623 · OH

Mid-Market 1B-3B

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

View Mid-Market leaderboard →

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 41.9% in tier
+ ROA 0.31% above tier average
+ Net Interest Margin 0.29% above tier average

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 41.5% in tier
- Credit Risk Growth: Bottom 54.6% in tier
- Credit Quality Pressure: Bottom 61.0% in tier
- Liquidity Strain: Bottom 84.8% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	138,781 +3.8% YoY+1.1% QoQ	+41.3K	97,431 -2.4% YoY	16,819 +5.2% YoY	33,374 +5.7% YoY	83%
Assets	$2.4B +6.6% YoY+2.8% QoQ	+$703.5M	$1.7B +0.9% YoY	$253.6M +9.4% YoY	$561.6M +9.7% YoY	83%
Loans	$1.8B +7.4% YoY+0.8% QoQ	+$589.6M	$1.2B +0.5% YoY	$173.0M +7.8% YoY	$397.0M +8.8% YoY	Top 13.2% in tier
Deposits	$2.0B +5.4% YoY+3.3% QoQ	+$549.6M	$1.5B +0.9% YoY	$217.1M +9.6% YoY	$477.3M +9.7% YoY	82%

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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	1.0% +25.6% YoY+6.8% QoQ	+0.3%	0.7% +20.9% YoY	0.4% -22.9% YoY	0.7% +15.9% YoY	78%
NIM	3.6% +8.4% YoY-0.3% QoQ	+0.3%	3.3% +9.2% YoY	3.8% +3.7% YoY	3.8% +5.1% YoY	70%
Efficiency Ratio	66.5% -4.6% YoY-1.9% QoQ	-7.5%	74.1% -9.5% YoY	82.6% +2.4% YoY	79.7% -3.3% YoY	22%
Delinquency Rate	0.6% +17.7% YoY-2.3% QoQ	-0.3	0.9% +6.2% YoY	1.6% +33.3% YoY	1.3% -2.1% YoY	36%
Loan To Share	90.8% +1.9% YoY-2.3% QoQ	+6.0%	84.8% -0.8% YoY	63.0% -2.6% YoY	67.4% -1.7% YoY	62%
AMR	$27,619 +2.4% YoY+1.0% QoQ	$-2K	$29,428 +2.4% YoY	$17,423 +5.7% YoY	$19,687 +2.0% YoY	48%
CD Concentration	23.0% -4.0% YoY+6.1% QoQ	-6.0%	29.0%	19.4%	19.8%	24%
Indirect Auto %	29.2% -4.0% YoY-3.2% QoQ	+10.9%	18.3%	11.2%	7.8%	75%

Signature Analysis

Strengths (1)

Organic Growth Engine

growth

#104 of 247 • Top 41.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.77%

(Tier: 3.43%, National: 4.32%)

better than tier avg

Return on Assets: 0.99%

(Tier: 0.69%, National: 0.67%)

better than tier avg

Indirect Auto %: 29.21%

(Tier: 18.31%, National: 7.78%)

but worse than tier avg

247 of 378 Mid-Market CUs have this signature | 913 nationally

→ No prior data (247 CUs now) | New qualifier

Concerns (4)

Indirect Auto Dependency

risk

#82 of 196 • Bottom 41.5% in tier

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

Why This Signature

Asset Growth (YoY): 6.63%

(Tier: 6.83%, National: 3.54%)

worse than tier avg

Indirect Auto %: 29.21%

(Tier: 18.31%, National: 7.78%)

worse than tier avg

Member Growth (YoY): 3.77%

(Tier: 3.43%, National: 4.32%)

but better than tier avg

196 of 378 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -11 CUs YoY | Rank improving

Credit Risk Growth

risk

#90 of 164 • Bottom 54.6% in tier

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

Why This Signature

Loan Growth (YoY): 7.36%

(Tier: 6.38%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.09% points

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

worse than tier avg

164 of 378 Mid-Market CUs have this signature | 665 nationally

→ No prior data (164 CUs now) | New qualifier

Credit Quality Pressure

risk

#129 of 211 • Bottom 61.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.09% points

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

worse than tier avg

211 of 378 Mid-Market CUs have this signature | 969 nationally

↓ Shrinking -59 CUs YoY | New qualifier

Liquidity Strain

risk

#141 of 166 • Bottom 84.8% in tier

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

Why This Signature

Loan-to-Share Ratio: 90.80%

(Tier: 85.73%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 7.36%

(Tier: 6.38%, National: 111.96%)

but better than tier avg

166 of 378 Mid-Market CUs have this signature | 439 nationally

↓ Shrinking -7 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 302 peers in tier

Top Strengths (8 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 18.04%

Peer Median: -

#38 of 302 Top 12.3% in 1B-3B tier

Total Loans

balance_sheet

Value: $1.82B

Peer Median: -

#40 of 302 Top 12.9% in 1B-3B tier

Total Members

engagement

Value: 138,781

Peer Median: -

#50 of 302 Top 16.2% in 1B-3B tier

Total Assets

balance_sheet

Value: $2.43B

Peer Median: -

#51 of 302 Top 16.6% in 1B-3B tier

Total Deposits

balance_sheet

Value: $2.01B

Peer Median: -

#55 of 302 Top 17.9% in 1B-3B tier

Return on Assets (ROA)

profitability

Value: 0.99%

Peer Median: -

#67 of 302 Top 21.9% in 1B-3B tier

Efficiency Ratio

profitability

Value: 66.55%

Peer Median: -

#67 of 302 Top 21.9% in 1B-3B tier

Share Certificate Concentration (%)

balance_sheet

Value: 23.04%

Peer Median: -

#76 of 302 Top 24.8% in 1B-3B tier

Top Weaknesses (0 metrics)

No weakness rankings available