KEMBA

Charter #61810 | OH

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

KEMBA has 3 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 25.9% in tier
  • + Emerging Performer: Top 27.6% in tier
  • + Relationship Depth Leader: Top 34.6% in tier

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
 Top 21.1% in tier
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
 60th in tier
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
 68th in tier
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
 60th in tier
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
 30th in tier
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
 Bottom 17.8% in tier
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
 51st in tier
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
 67th in tier
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
 Top 23.4% in tier
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
 Bottom 16.1% in tier
CD Concentration 35.4%
+4.2% YoY+0.2% QoQ
 +6.4% 29.0%
+0.8% YoY
 19.2%
+8.0% YoY
 19.6%
+6.2% YoY
 Top 21.6% in tier
Indirect Auto % 29.1%
-9.5% YoY+0.5% QoQ
 +10.3% 18.8%
-2.8% YoY
 11.2%
-0.8% YoY
 7.9%
-2.9% YoY
 73rd in tier

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth
#188 of 264 • Top 25.9% in tier

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

Why This Signature
AMR Growth (YoY): 2.85%
(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

Emerging Performer

growth
#147 of 184 • Top 27.6% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.47%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): 0.15%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#251 of 264 • Top 34.6% in tier

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

Why This Signature
AMR Growth (YoY): 2.85%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $1.7K
(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 (3)

Credit Quality Pressure

risk
#34 of 217 • Bottom 4.3% in tier

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

Why This Signature
Delinquency Change (YoY): 0.38% 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
#146 of 202 • Bottom 23.5% in tier

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

Why This Signature
Asset Growth (YoY): -0.06%
(Tier: 5.36%, National: 3.04%)
worse than tier avg
Indirect Auto %: 29.09%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 0.15%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank worsening

Liquidity Strain

risk
#146 of 183 • Bottom 27.7% in tier

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

Why This Signature
Loan-to-Share Ratio: 95.50%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): -1.33%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 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 (3 metrics)

47
Members Per Employee (MPE)
engagement
Value: 438.475
Peer Avg: 364.953
#47 of 304 Top 15.1% in 1B-3B tier
64
Total Members
engagement
Value: 130,227
Peer Avg: 98,678
#64 of 304 Top 20.7% in 1B-3B tier
71
Loan-to-Share Ratio
balance_sheet
Value: 95.50%
Peer Avg: 85.19%
#71 of 304 Top 23.0% in 1B-3B tier

Top Weaknesses (6 metrics)

284
Fee Income Per Member
profitability
Value: $112.40
Peer Avg: $210.52
#284 of 304 Bottom 6.9% in 1B-3B tier
255
Average Member Relationship (AMR)
engagement
Value: $22,251
Peer Avg: $29,172
#255 of 304 Bottom 16.4% in 1B-3B tier
250
Net Interest Margin (NIM)
profitability
Value: 2.74%
Peer Avg: 3.26%
#250 of 304 Bottom 18.1% in 1B-3B tier
250
Loan Growth Rate
growth
Value: -1.33%
Peer Avg: 5.27%
#250 of 304 Bottom 18.1% in 1B-3B tier
247
Asset Growth Rate
growth
Value: -0.06%
Peer Avg: 4.83%
#247 of 304 Bottom 19.1% in 1B-3B tier
244
Share Certificate Concentration (%)
balance_sheet
Value: 35.41%
Peer Avg: 28.53%
#244 of 304 Bottom 20.1% in 1B-3B tier