KEMBA ROANOKE
Charter #107 · SALEM, VA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.16% sits at the 13th percentile of structural peers — worth a closer look.
- Cost of funds of 1.19% sits at the 82nd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.91% sits at the 82nd percentile of structural peers — worth a closer look.
- On Loan growth YoY, the asset-size band puts this credit union at the 41st percentile but its structural peers at the 61st — a 20-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | KEMBA ROANOKE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $77.23M | 62th pct | 57th pct |
| Members | 4,717 | 43th pct | 41th pct |
| Net worth ratio | 16.13% | 76th pct | 72th pct |
| Return on average assets | 0.70% | 50th pct | 51th pct |
| Net interest margin | 3.16% | 22th pct | 13th pct |
| Cost of funds | 1.19% | 66th pct | 82th pct |
| Loan-to-share | 35.85% | 9th pct | 20th pct |
| Delinquency 60+ days | 0.91% | 68th pct | 57th pct |
| Net charge-off ratio | 0.91% | 88th pct | 82th pct |
| Loan growth YoY | -2.32% | 41th pct | 61th pct |
| Share growth YoY | 0.35% | 21th pct | 21th pct |
| Efficiency ratio | 81.57% | 56th pct | 56th pct |
structural peer set hash: 53c14f72a17061380137960abea02d88… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.