KEMBA FINANCIAL
Charter #61623 · Gahanna, OH · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 12.64% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 2.33% sits at the 89th percentile of structural peers — worth a closer look.
- Efficiency ratio of 66.42% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 69th percentile but its structural peers at the 38th — a 32-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 FINANCIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.42B | 54th pct | 59th pct |
| Members | 140,458 | 58th pct | 51th pct |
| Net worth ratio | 12.64% | 78th pct | 79th pct |
| Return on average assets | 0.99% | 72th pct | 69th pct |
| Net interest margin | 3.64% | 69th pct | 38th pct |
| Cost of funds | 2.33% | 80th pct | 89th pct |
| Loan-to-share | 90.75% | 64th pct | 66th pct |
| Delinquency 60+ days | 0.61% | 48th pct | 28th pct |
| Net charge-off ratio | 0.52% | 50th pct | 26th pct |
| Loan growth YoY | 1.92% | 53th pct | 61th pct |
| Share growth YoY | 4.42% | 56th pct | 62th pct |
| Efficiency ratio | 66.42% | 26th pct | 21th pct |
structural peer set hash: 0c4e12769c954c27ecd9a33f488eceee… (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.