KEMBA
Charter #61810 · West Chester, OH · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.84% sits at the 3rd percentile of structural peers — worth a closer look.
- Cost of funds of 2.53% sits at the 95th percentile of structural peers — worth a closer look.
- On Net interest margin, the asset-size band puts this credit union at the 18th percentile but its structural peers at the 3rd — a 15-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 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.78B | 40th pct | 49th pct |
| Members | 130,955 | 54th pct | 66th pct |
| Net worth ratio | 11.27% | 61th pct | 62th pct |
| Return on average assets | 0.51% | 30th pct | 26th pct |
| Net interest margin | 2.84% | 18th pct | 3th pct |
| Cost of funds | 2.53% | 86th pct | 95th pct |
| Loan-to-share | 91.73% | 67th pct | 64th pct |
| Delinquency 60+ days | 0.76% | 63th pct | 67th pct |
| Net charge-off ratio | 0.45% | 42th pct | 30th pct |
| Loan growth YoY | -0.21% | 24th pct | 23th pct |
| Share growth YoY | 3.89% | 45th pct | 44th pct |
| Efficiency ratio | 77.77% | 70th pct | 66th pct |
structural peer set hash: d3905f404f2698aaa2121e5adcb55a60… (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.