KEMBA LOUISVILLE
Charter #62358 · Louisville, KY · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 20.38% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 2.06% sits at the 85th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.83% sits at the 95th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 26th percentile but its structural peers at the 54th — a 28-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 LOUISVILLE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $60.22M | 26th pct | 54th pct |
| Members | 4,009 | 28th pct | 56th pct |
| Net worth ratio | 20.38% | 91th pct | 84th pct |
| Return on average assets | 0.75% | 53th pct | 33th pct |
| Net interest margin | 3.87% | 59th pct | 74th pct |
| Cost of funds | 0.88% | 47th pct | 61th pct |
| Loan-to-share | 25.71% | 2th pct | 8th pct |
| Delinquency 60+ days | 2.06% | 94th pct | 85th pct |
| Net charge-off ratio | 1.83% | 97th pct | 95th pct |
| Loan growth YoY | -5.82% | 14th pct | 25th pct |
| Share growth YoY | 3.37% | 57th pct | 60th pct |
| Efficiency ratio | 77.34% | 44th pct | 62th pct |
structural peer set hash: f32141ef65bf46a1d72e3285c4281e3d… (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.