KEMBA CHARLESTON
Charter #108 · Dunbar, WV · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 3,420 ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 20.01% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.54% sits at the 23rd percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.10% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 83.51% sits at the 79th percentile of structural peers — worth a closer look.
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 CHARLESTON | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $45.73M | 94th pct | 79th pct |
| Members | 3,420 | 84th pct | 82th pct |
| Net worth ratio | 20.01% | 85th pct | 75th pct |
| Return on average assets | 0.54% | 43th pct | 23th pct |
| Net interest margin | 2.98% | 16th pct | 26th pct |
| Cost of funds | 0.97% | 56th pct | 67th pct |
| Loan-to-share | 37.75% | 18th pct | 30th pct |
| Delinquency 60+ days | 0.49% | 46th pct | 59th pct |
| Net charge-off ratio | -0.10% | 10th pct | 3th pct |
| Loan growth YoY | -7.29% | 16th pct | 30th pct |
| Share growth YoY | 2.07% | 45th pct | 43th pct |
| Efficiency ratio | 83.51% | 58th pct | 79th pct |
structural peer set hash: f681038299884978edfbb4d4348072d6… (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.