KEMBA DELTA
Charter #24220 · Bartlett, TN · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 4,955 ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 28.49% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 5.19% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 2.35% sits at the 84th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 2.17% sits at the 93rd 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 DELTA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $31.70M | 65th pct | 66th pct |
| Members | 4,955 | 96th pct | 93th pct |
| Net worth ratio | 28.49% | 97th pct | 85th pct |
| Return on average assets | 1.66% | 89th pct | 70th pct |
| Net interest margin | 5.19% | 94th pct | 97th pct |
| Cost of funds | 0.59% | 38th pct | 36th pct |
| Loan-to-share | 46.43% | 31th pct | 43th pct |
| Delinquency 60+ days | 2.35% | 89th pct | 84th pct |
| Net charge-off ratio | 2.17% | 95th pct | 93th pct |
| Loan growth YoY | 6.56% | 95th pct | 97th pct |
| Share growth YoY | 4.05% | 66th pct | 69th pct |
| Efficiency ratio | 61.24% | 13th pct | 33th pct |
structural peer set hash: 576a330b48e4aabb486f403d67569fae… (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.