BlastPoint's Credit Union Scorecard
KEMBA
Charter #61810 · OH
KEMBA faces 7 concerns requiring attention
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How does OH stack up?
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 4.3% in tier
- - Indirect Auto Dependency: Bottom 23.5% in tier
- - Liquidity Strain: Bottom 27.7% in tier
- - ROA 0.24% below tier average
- - Efficiency ratio 0.79% above tier (higher cost structure)
- - Delinquency rate 0.03% above tier average
- - Fee Income Per Member: Bottom 6.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
130,227
+0.2% YoY+1.1% QoQ
|
+31.5K |
98,678
-1.9% YoY
|
16,553
+5.8% YoY
|
33,089
+6.1% YoY
|
79% |
| Assets |
$1.7B
-0.1% YoY+0.1% QoQ
|
+$9.2M |
$1.7B
+0.5% YoY
|
$245.2M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
60% |
| Loans |
$1.4B
-1.3% YoY+4.4% QoQ
|
+$182.5M |
$1.2B
+0.5% YoY
|
$170.6M
+8.7% YoY
|
$388.7M
+8.6% YoY
|
68% |
| Deposits |
$1.5B
+7.5% YoY-0.1% QoQ
|
+$27.9M |
$1.5B
+1.3% YoY
|
$209.1M
+9.7% YoY
|
$464.6M
+9.3% YoY
|
60% |
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| ROA |
0.5%
-34.5% YoY+4.9% QoQ
|
-0.2% |
0.7%
+13.4% YoY
|
0.5%
-7.3% YoY
|
0.7%
+273.4% YoY
|
30% |
| NIM |
2.7%
+16.0% YoY+4.0% QoQ
|
-0.5% |
3.3%
+9.3% YoY
|
3.7%
+3.3% YoY
|
3.7%
+5.0% YoY
|
18% |
| Efficiency Ratio |
74.8%
+3.8% YoY-0.7% QoQ
|
+0.8% |
74.0%
-10.9% YoY
|
83.9%
+3.6% YoY
|
79.1%
-3.3% YoY
|
51% |
| Delinquency Rate |
0.9%
+81.2% YoY+20.5% QoQ
|
+0.0 |
0.8%
+6.1% YoY
|
1.5%
+29.9% YoY
|
1.2%
-0.9% YoY
|
67% |
| Loan To Share |
95.5%
-8.2% YoY+4.5% QoQ
|
+10.3% |
85.2%
-0.8% YoY
|
63.8%
-2.4% YoY
|
68.0%
-1.7% YoY
|
77% |
| AMR |
$22,251
+2.9% YoY+0.9% QoQ
|
$-7K |
$29,172
+2.8% YoY
|
$17,099
+5.9% YoY
|
$19,418
+1.3% YoY
|
16% |
| CD Concentration |
35.4%
+4.2% YoY+0.2% QoQ
|
+6.4% |
29.0%
+0.7% YoY
|
19.2%
+8.0% YoY
|
19.6%
+6.2% YoY
|
78% |
| Indirect Auto % |
29.1%
-9.5% YoY+0.5% QoQ
|
+10.3% |
18.8%
-3.0% YoY
|
11.2%
-0.8% YoY
|
7.9%
-2.9% YoY
|
73% |
Signature Analysis
Strengths (0)
Concerns (3)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)