# KEMBA
West Chester, OH · NCUA charter 61810 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/kemba-61810

Who the members are: state charter, organized 1934. 130,955 members of 3,374,170 potential (3.9% of the field); checking penetration 35% (share draft accounts per 100 members); loans per 100 members 56.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.78B |
| Members | 130,955 (1.2% YoY) |
| Full-time staff | 274 |
| Net worth | $200.5M |
| Net worth ratio | 11.3% (p61 of band) |
| ROA (annualized) | 0.51% (p31 of band) |
| Total delinquency | 0.76% (p65 of band) |
| Net charge-offs (annualized) | 0.46% (p43 of band) |
| Loans / shares | 92% (p68 of band) |
| Cash / assets | 11.1% |
| Borrowings / assets | 0.84% |
| Net interest margin | 2.82% (p19 of band) |
| Operating expense / assets | 2.80% (p28 of band) |
| Vehicles % of loans | 33% (p64 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 91% |
| Third-party paper % of net worth | 237% (p73 of band) |
| Vehicle delinquency | 1.77% (p94 of band) |
| Vehicle NCO | 1.03% (p52 of band) |
| Repossessed % of vehicle book | 0.52% (p96 of band) |
| Real estate % of loans | 43% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 99% |
| Core shares % of member funds | 32% |
| Certificates % of member funds | 35% |
| Average share balance | $7,681 |
| Participations bought / yr | $4.8M |
| Participations sold / yr | $19.3M |
| Participations outstanding | $39.2M |
| Loans outstanding per 100 members | 56% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $19,375 |
| Loans granted, annualized | $375.0M |

## Participation posture (from the same filings)

Bought $4.8M and sold $19.3M in the latest annualized quarter; $39.2M outstanding purchased (19.6% of net worth), $6.7M sold and retained. Sold in 4 and bought in 8 of the last 8 quarters. Shares 1.5% year over year.

## Flags firing in the latest filing

- **repo signal** (`aq_repo`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 1 |  | auto monoline |
| 2016-12 | 2 | loans>95% of shares |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 3 | delinquency rising |  |
| 2018-03 | 2 |  | delinquency rising |
| 2018-06 | 2 |  |  |
| 2018-09 | 4 | net worth falling, delinquency rising |  |
| 2018-12 | 3 |  | delinquency rising |
| 2019-03 | 3 | delinquency rising | net worth falling |
| 2019-06 | 2 |  | delinquency rising |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 3 | net worth falling |  |
| 2020-06 | 3 |  |  |
| 2020-09 | 1 |  | loans>95% of shares, net worth falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | net worth falling |  |
| 2021-06 | 1 |  | net worth falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | net worth falling |  |
| 2022-06 | 2 | loans>95% of shares | net worth falling |
| 2022-09 | 3 | leaning on borrowings |  |
| 2022-12 | 4 | net worth falling |  |
| 2023-03 | 3 |  | net worth falling |
| 2023-06 | 3 |  |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 3 |  |  |
| 2024-06 | 4 | delinquency rising |  |
| 2024-09 | 4 |  |  |
| 2024-12 | 4 |  |  |
| 2025-03 | 3 | repo signal | loans>95% of shares, leaning on borrowings |
| 2025-06 | 3 |  |  |
| 2025-09 | 4 | loans>95% of shares |  |
| 2025-12 | 3 | assets shrinking | delinquency rising, loans>95% of shares |
| 2026-03 | 2 |  | assets shrinking |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-02 [Kemba Credit Union All American Bash - fox19.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxNWWhIN0tDTk5qMnhWb0xQY1lVSDJNcnZCZ2RCWFVFdzRHTm5lbjBpSmhxZ011S2VSRTVtOWtNaXgzclBoQm9WQ1JpdjhpQTV0bTlLNURiNU93TEVCOXlsbXExMWFrMXN3SnNVTmdlWjZIMXVCOEQxdUk2bG5rNHJ6Nlh3?oc=5) · fox19.com
- 2026-03-12 [Donna Grimmett, Professionally Recognized at KEMBA Financial Credit Union - Columbus Business First - The Business Journals](https://news.google.com/rss/articles/CBMikgFBVV95cUxQUkZORW0ya2ZYQXlDdmpaenkyV09tYm9QVE9URnVfWEw5enZ0bElDVlBRcG0tNno3bjVfWnRPalNZRlhiYUhEWkhOWXlZYXI5VEJ3dUViNGR5ZzAzSWtReEFoSTRtY21WS2Z6aXhIc2NabWd6dnQ4U1V2WUs1OWpmbEdyczI2Z1NpZDk3Q2I4elBGZw?oc=5) · The Business Journals
- 2026-04-19 [Shred Day will be offered on April 19 - WLWT](https://news.google.com/rss/articles/CBMif0FVX3lxTFBqcVJyOWluVl9mZTd5OHc3TjN5S21wNWkwMlFXVUZxSVdFT3I4eHpZZERNbHhkMFF3X0tDT09JUjlDNWVEVGRxMVVBSWdCWktuQTVXQlJhNzk4ajhudm9rTnhfVkxLWDlNNnoxZ1Y3MXE2YzhuM001djhUaVRnY1k?oc=5) · WLWT
- 2026-01-01 [Gahanna police investigating after stolen ATM recovered nearby - 10TV](https://news.google.com/rss/articles/CBMi4gFBVV95cUxQb3lwdVRZbnVnblQ4WjJnSjFkQVdpa2lsOHJVNkNFVVN6WDVXTVJ4Y3I5QlhZS0JJRURZUll2TE1YTHNaM0xkRUtSOWZjWnFRdUh0eExiQk1rR0hKWUdGWHZ6OU9rYTlEcTdJWlI1LTA0eWowT215Y2hLSjVpb3ZvdXl1SjRFa2pVVWhyV09xV3NrLVV2NjZ4Z2xpNWJGR1M5cDBVYnExcWpZMlRLcU94NkNqclhBNzF1X0lUWDdNemJXbEtrVXo0RGZkQmtmazBZbC1rWUxrbjdGaG1qUFpOM3pn?oc=5) · 10TV
- 2026-02-13 [Springdale police seek bank robbery suspect - fox19.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxOYzIzTVJFT21ONHc1eWluRHlQS1g4eUxETmVwcFRULWQ2bmNONWZKY1lwWUtUcFVfXzJNQnNtWUY1S0w5azlhV3NZNnhrMGd6bjlzbmpXLTV3bHdDWHZvRWwzazE0Vjd0aVZGb1NHNk4zQXRCV2dEaVdzUkJkZFlxNTVCTULSAZgBQVVfeXFMTTRBNFJqcnlQZ2lBTHZMVzdYcUUyd3FFaFBVbHlpc1hzVnN4SlRONm16ak9TYTgyRVJQMDN4SEQ2NHR2cFpxd0sySUdYelI1Ui1QMWo2aURCSTNqYkUyYkNPd1NkQUxBNzRkZWZfb3lpQThvV0RrNzVETUpVU1hpQmdKWkViaUg4UjlkVlhHVV9sRjJJZm9xQjU?oc=5) · fox19.com
- 2025-08-15 [KEMBA Financial Credit Union names new President & CEO, effective October 1 - CUInsight](https://news.google.com/rss/articles/CBMiswFBVV95cUxPLV9hM3o2aHVyT1RoVm1OWmFtT3RnV3RwTUl4dHFzbHRyWmwyRjZkMUJ2S2hXUkF5WjdqaWxaeENweGRiZ2hzcTExS1V6dDd6NU9TSmh1eDN1WnJxSnhVODZuM0VBZjJEVVpMZk5mRXMxb2p3N2o3cmkzSFgwMWFSNFBSXzVvR0RDYnVyX2tjZ2pSNGthSEFKSl92S0RyNEtZeTdNcEVUbXdqZ0F2M1M4Rk9VZw?oc=5) · CUInsight
- 2026-04-04 [FUNERAL DETAILS FOR COLERAIN TOWNSHIP FD DOUBLE LODD'S - Firefighter Close Calls](https://news.google.com/rss/articles/CBMilwFBVV95cUxPcmNUOVo5U2tPRUI3LVpnVHB5dF9GWEd2X2FfQ1doaThoZ0hIcGlTSEdCY3U4YzNwckYtYWVHVmNodGpvZ2FXRVpzQXdwMjBlczVMQWpUY3g5U0I3UGczb2hrb0h3amJSUm56b2pLWHVvX29UbzdhWW04MkdzWGVvVXNYa0hmMERudW96WFZhYXJkcFhHZXFF?oc=5) · Firefighter Close Calls
- 2026-03-17 [Paroled serial robbery suspect tied to multiple local holdups appears in court - local12.com](https://news.google.com/rss/articles/CBMimwJBVV95cUxPaTFIN3h5SHF6WG5uSmE2ZEtxdHVEVUdVTkpXWkhTNnY4QlJFVFBWNndQUmdTZFhnMlR2Q2t0eTJzaTM0X1pQYTNYNGxIa2M5NWNBNXkzOHJ6eUMtNDgxSmMzbkR1VGZwcVFGRENmNUpMRkxQTkFucHpXSWtfUE1GY0RnOWhVWWlvYkJnMXQ5cDV1YXdUQTl5cEZqWnhRcDFid2ROQ1hKeDJ1NktaZWJUb2xNSWJLM1FBOTBlZXJWVk8tQ2dJQTVvOHBhSFVaN2RaSWxhZnk2M29LWVpHQUJTcGkxRGdnM3VFTVUyY0VEbDRGRC01RFdhMEZRblZqYzY2MEJXWm5teVZtY29PUk1wTlhneU1acE9kNGR3?oc=5) · local12.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=61810 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/50.json (key "61810", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=61810
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide