KENNEDY VA EMPLOYEES
Charter #5811 · Memphis, TN · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net charge-off ratio of -0.13% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 17th percentile but its structural peers at the 38th — a 21-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 | KENNEDY VA EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $25.52M | 51th pct | 41th pct |
| Members | 3,364 | 83th pct | 70th pct |
| Net worth ratio | 15.47% | 63th pct | 70th pct |
| Return on average assets | 0.71% | 53th pct | 54th pct |
| Net interest margin | 4.04% | 59th pct | 66th pct |
| Cost of funds | 0.19% | 13th pct | 28th pct |
| Loan-to-share | 36.49% | 17th pct | 38th pct |
| Delinquency 60+ days | 0.64% | 52th pct | 69th pct |
| Net charge-off ratio | -0.13% | 8th pct | 5th pct |
| Loan growth YoY | -16.83% | 1th pct | 0th pct |
| Share growth YoY | -1.67% | 14th pct | 11th pct |
| Efficiency ratio | 88.06% | 70th pct | 64th pct |
structural peer set hash: c9d08a49498cbf68e9cb1aa4ed150a6f… (reproducible)
Closest structural peers
This is the free public view
Claim KENNEDY VA EMPLOYEES
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.