BlastPoint's Credit Union Scorecard

KEMBA

Charter #61810 · OH

Mid-Market 1B-3B

306 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

+ Emerging Performer: Top 67.9% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 26.6% in tier
- Liquidity Strain: Bottom 32.4% in tier
- Credit Risk Growth: Bottom 65.0% in tier
- Indirect Auto Dependency: Bottom 86.3% in tier
- ROA 0.21% below tier average
- Efficiency ratio 3.14% above tier (higher cost structure)
- Fee Income Per Member: Bottom 7.5% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	130,955 +1.2% YoY+0.2% QoQ	+34.9K	96,048 -2.7% YoY	16,936 +6.2% YoY	33,913 +5.7% YoY	81%
Assets	$1.8B +0.5% YoY+1.7% QoQ	+$58.9M	$1.7B +0.4% YoY	$257.9M +8.7% YoY	$578.3M +9.0% YoY	62%
Loans	$1.4B +3.1% YoY-1.2% QoQ	+$198.8M	$1.2B +0.2% YoY	$174.2M +8.4% YoY	$402.4M +8.7% YoY	70%
Deposits	$1.5B +1.5% YoY+1.8% QoQ	+$74.3M	$1.5B +0.5% YoY	$221.5M +9.0% YoY	$494.3M +9.1% YoY	62%

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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% +51.1% YoY+3.2% QoQ	-0.2%	0.7% +27.6% YoY	0.6% +16.1% YoY	0.4% -39.2% YoY	32%
NIM	2.8% +12.6% YoY+1.0% QoQ	-0.5%	3.4% +6.2% YoY	3.7% +1.7% YoY	3.8% +4.1% YoY	16%
Efficiency Ratio	77.8% +0.4% YoY+5.1% QoQ	+3.1%	74.6% -3.0% YoY	82.0% -2.0% YoY	84.6% +2.8% YoY	63%
Delinquency Rate	0.8% +22.9% YoY-5.6% QoQ	+0.0	0.8% +6.9% YoY	1.4% +35.7% YoY	1.2% +3.4% YoY	63%
Loan To Share	91.7% +1.6% YoY-2.9% QoQ	+8.5%	83.2% -0.4% YoY	61.3% -2.1% YoY	65.6% -1.4% YoY	70%
AMR	$22,545 +1.0% YoY+0.1% QoQ	$-7K	$29,652 +2.3% YoY	$17,686 +5.3% YoY	$19,920 +1.6% YoY	16%
CD Concentration	35.0% -2.3% YoY-3.6% QoQ	+6.2%	28.8%	19.4%	19.8%	78%
Indirect Auto %	29.5% -2.2% YoY+0.2% QoQ	+11.5%	18.1%	11.4%	7.7%	77%

Signature Analysis

Strengths (1)

Emerging Performer

growth

#79 of 79 • Top 67.9% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.51%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Member Growth (YoY): 1.22%

(Tier: 3.50%, National: 10.19%)

but worse than tier avg

79 of 384 Mid-Market CUs have this signature | 260 nationally

→ No prior data (79 CUs now) | New qualifier

Concerns (4)

Credit Quality Pressure

risk

#101 of 225 • Bottom 26.6% in tier

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

Why This Signature

Delinquency Change (YoY): 0.14% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 CUs YoY | Rank worsening

Credit Risk Growth

risk

#126 of 183 • Bottom 65.0% in tier

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

Why This Signature

Loan Growth (YoY): 3.08%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.14% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

183 of 384 Mid-Market CUs have this signature | 710 nationally

→ No prior data (183 CUs now) | New qualifier

Indirect Auto Dependency

risk

#142 of 198 • Bottom 86.3% in tier

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

Why This Signature

Asset Growth (YoY): 0.46%

(Tier: 6.82%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 29.53%

(Tier: 18.07%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 1.22%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

198 of 384 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -10 CUs YoY | Rank worsening

Liquidity Strain

risk

#135 of 148 • Bottom 32.4% in tier

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

Why This Signature

Loan-to-Share Ratio: 91.73%

(Tier: 84.20%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 3.08%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

148 of 384 Mid-Market CUs have this signature | 367 nationally

→ Stable (149→148 CUs) -1 CUs YoY | Rank improving

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 306 peers in tier

Top Strengths (2 metrics)

Members Per Employee (MPE)

engagement

Value: 440.926

Peer Median: 345.077

#51 of 306 Top 16.3% in 1B-3B tier

Total Members

engagement

Value: 130,955

Peer Median: 85,918

#57 of 306 Top 18.3% in 1B-3B tier

Top Weaknesses (7 metrics)

284

Fee Income Per Member

profitability

Value: $105.50

Peer Median: $191.54

#284 of 306 Bottom 7.5% in 1B-3B tier

262

Asset Growth Rate

growth

Value: 0.46%

Peer Median: 4.82%

#262 of 306 Bottom 14.7% in 1B-3B tier

258

Net Interest Margin (NIM)

profitability

Value: 2.82%

Peer Median: 3.37%

#258 of 306 Bottom 16.0% in 1B-3B tier

257

Average Member Relationship (AMR)

engagement

Value: $22,545

Peer Median: $28,178

#257 of 306 Bottom 16.3% in 1B-3B tier

249

Share Certificate Concentration (%)

balance_sheet

Value: 35.04%

Peer Median: 27.93%

#249 of 306 Bottom 19.0% in 1B-3B tier

239

Deposit Growth Rate

growth

Value: 1.50%

Peer Median: 4.44%

#239 of 306 Bottom 22.2% in 1B-3B tier

239

Indirect Auto Concentration (%)

balance_sheet

Value: 29.53%

Peer Median: 13.86%

#239 of 306 Bottom 22.2% in 1B-3B tier