BlastPoint's Credit Union Scorecard

KEMBA

Charter #61810 · OH

Mid-Market 1B-3B

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

View Mid-Market leaderboard →

KEMBA has 1 strength but faces 7 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 98.4% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 57.6% in tier
- Liquidity Strain: Bottom 77.6% in tier
- Indirect Auto Dependency: Bottom 79.5% in tier
- Credit Risk Growth: Bottom 83.4% in tier
- ROA 0.19% below tier average
- Asset Growth Rate: Bottom 5.6% in tier
- Fee Income Per Member: Bottom 6.6% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	130,656 +0.7% YoY+0.3% QoQ	+33.2K	97,431 -2.4% YoY	16,819 +5.2% YoY	33,374 +5.7% YoY	80%
Assets	$1.7B -3.2% YoY+1.2% QoQ	+$26.2M	$1.7B +0.9% YoY	$253.6M +9.4% YoY	$561.6M +9.7% YoY	60%
Loans	$1.4B +2.6% YoY+1.0% QoQ	+$194.6M	$1.2B +0.5% YoY	$173.0M +7.8% YoY	$397.0M +8.8% YoY	70%
Deposits	$1.5B +3.9% YoY+2.0% QoQ	+$53.2M	$1.5B +0.9% YoY	$217.1M +9.6% YoY	$477.3M +9.7% YoY	61%

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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	0.5% -15.1% YoY+4.9% QoQ	-0.2%	0.7% +20.9% YoY	0.4% -22.9% YoY	0.7% +15.9% YoY	30%
NIM	2.8% +19.2% YoY+1.9% QoQ	-0.5%	3.3% +9.2% YoY	3.8% +3.7% YoY	3.8% +5.1% YoY	20%
Efficiency Ratio	74.0% +1.2% YoY-1.0% QoQ	-0.1%	74.1% -9.5% YoY	82.6% +2.4% YoY	79.7% -3.3% YoY	48%
Delinquency Rate	0.8% +14.5% YoY-5.7% QoQ	-0.1	0.9% +6.2% YoY	1.6% +33.3% YoY	1.3% -2.1% YoY	54%
Loan To Share	94.5% -1.3% YoY-1.1% QoQ	+9.7%	84.8% -0.8% YoY	63.0% -2.6% YoY	67.4% -1.7% YoY	74%
AMR	$22,514 +2.6% YoY+1.2% QoQ	$-7K	$29,428 +2.4% YoY	$17,423 +5.7% YoY	$19,687 +2.0% YoY	17%
CD Concentration	36.4% +2.8% YoY+2.7% QoQ	+7.3%	29.0%	19.4%	19.8%	80%
Indirect Auto %	29.5% -5.0% YoY+1.4% QoQ	+11.2%	18.3%	11.2%	7.8%	75%

Signature Analysis

Strengths (1)

Organic Growth Engine

growth

#243 of 247 • Top 98.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.70%

(Tier: 3.43%, National: 4.32%)

but worse than tier avg

Return on Assets: 0.49%

(Tier: 0.69%, National: 0.67%)

but worse than tier avg

Indirect Auto %: 29.48%

(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)

Credit Quality Pressure

risk

#122 of 211 • Bottom 57.6% in tier

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

Why This Signature

Delinquency Change (YoY): 0.10% 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 | Rank worsening

Liquidity Strain

risk

#129 of 166 • Bottom 77.6% in tier

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

Why This Signature

Loan-to-Share Ratio: 94.48%

(Tier: 85.73%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 2.62%

(Tier: 6.38%, National: 111.96%)

worse than tier avg

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

↓ Shrinking -7 CUs YoY | Rank worsening

Indirect Auto Dependency

risk

#156 of 196 • Bottom 79.5% in tier

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

Why This Signature

Asset Growth (YoY): -3.24%

(Tier: 6.83%, National: 3.54%)

worse than tier avg

Indirect Auto %: 29.48%

(Tier: 18.31%, National: 7.78%)

worse than tier avg

Member Growth (YoY): 0.70%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

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

↓ Shrinking -11 CUs YoY | Rank worsening

Credit Risk Growth

risk

#137 of 164 • Bottom 83.4% in tier

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

Why This Signature

Loan Growth (YoY): 2.62%

(Tier: 6.38%, National: 111.96%)

worse than tier avg

Delinquency Change (YoY): 0.10% 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

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 (2 metrics)

Members Per Employee (MPE)

engagement

Value: 432.636

Peer Median: -

#54 of 302 Top 17.5% in 1B-3B tier

Total Members

engagement

Value: 130,656

Peer Median: -

#61 of 302 Top 19.9% in 1B-3B tier

Top Weaknesses (6 metrics)

286

Asset Growth Rate

growth

Value: -3.24%

Peer Median: -

#286 of 302 Bottom 5.6% in 1B-3B tier

283

Fee Income Per Member

profitability

Value: $115.90

Peer Median: -

#283 of 302 Bottom 6.6% in 1B-3B tier

252

Average Member Relationship (AMR)

engagement

Value: $22,514

Peer Median: -

#252 of 302 Bottom 16.9% in 1B-3B tier

250

Share Certificate Concentration (%)

balance_sheet

Value: 36.36%

Peer Median: -

#250 of 302 Bottom 17.5% in 1B-3B tier

242

Net Interest Margin (NIM)

profitability

Value: 2.79%

Peer Median: -

#242 of 302 Bottom 20.2% in 1B-3B tier

229

Indirect Auto Concentration (%)

balance_sheet

Value: 29.48%

Peer Median: -

#229 of 302 Bottom 24.5% in 1B-3B tier