# KEMBA INDIANAPOLIS
Indianapolis, IN · NCUA charter 82793 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/kemba-indianapolis-82793

Who the members are: state charter, organized 1933. 4,969 members of 360,000 potential (1.4% of the field); checking penetration 70% (share draft accounts per 100 members); loans per 100 members 48.

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $84.2M |
| Members | 4,969 (-3.6% YoY) |
| Full-time staff | 15 |
| Net worth | $13.0M |
| Net worth ratio | 15.4% (p72 of band) |
| ROA (annualized) | 0.59% (p43 of band) |
| Total delinquency | 0.74% (p58 of band) |
| Net charge-offs (annualized) | 0.56% (p75 of band) |
| Loans / shares | 40% (p14 of band) |
| Cash / assets | 25.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.80% (p57 of band) |
| Operating expense / assets | 4.05% (p67 of band) |
| Vehicles % of loans | 43% (p53 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.94% (p68 of band) |
| Vehicle NCO | 0.98% (p81 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 43% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 12% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 70% |
| Certificates % of member funds | 12% |
| Average share balance | $7,178 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 48% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $11,864 |
| Loans granted, annualized | $7.4M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | delinquency 2x band |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | delinquency 2x band |  |
| 2017-06 | 1 | repo signal | delinquency 2x band |
| 2017-09 | 4 | losing money, delinquency 2x band, delinquency rising |  |
| 2017-12 | 5 | charge-offs p90, members leaving | repo signal |
| 2018-03 | 3 | repo signal | losing money, delinquency rising, members leaving |
| 2018-06 | 3 | assets shrinking | repo signal |
| 2018-09 | 2 |  | assets shrinking |
| 2018-12 | 1 |  | delinquency 2x band |
| 2019-03 | 1 |  |  |
| 2019-06 | 0 |  | charge-offs p90 |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | delinquency 2x band |  |
| 2020-06 | 0 |  | delinquency 2x band |
| 2020-09 | 1 | net worth falling |  |
| 2020-12 | 2 | delinquency 2x band, members leaving | net worth falling |
| 2021-03 | 3 | margin squeeze, loan book shrinking | delinquency 2x band |
| 2021-06 | 3 |  |  |
| 2021-09 | 2 |  | loan book shrinking |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 | net worth falling | margin squeeze |
| 2022-06 | 1 |  | net worth falling |
| 2022-09 | 1 |  |  |
| 2022-12 | 3 | delinquency 2x band, delinquency rising |  |
| 2023-03 | 4 | repo signal |  |
| 2023-06 | 5 | assets shrinking |  |
| 2023-09 | 2 |  | delinquency 2x band, delinquency rising, repo signal |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 1 |  | assets shrinking |
| 2024-09 | 1 |  |  |
| 2024-12 | 3 | delinquency 2x band, delinquency rising |  |
| 2025-03 | 2 | net worth falling | delinquency 2x band, delinquency rising |
| 2025-06 | 2 | delinquency rising | net worth falling |
| 2025-09 | 2 | charge-offs p90 | delinquency rising |
| 2025-12 | 1 |  | charge-offs p90 |
| 2026-03 | 2 | net worth falling |  |

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

- 2026-04-25 [Qilin Ransomware Targets KEMBA Indianapolis Credit Union - DeXpose](https://news.google.com/rss/articles/CBMihwFBVV95cUxQcEtOanJLZnpZZGtxWlJUZElFbXFCQVdrNmhlNFEwS05fMEI5SEpSell5V3ZsaHkxcVRQc0hiRWV2Sjc5ZjgteC0yR3dENTllSWtfdzVuMDRVdkVoRzdvdmVHcFRIUXlkVFVUTUR3TDZQcEs3NVlsNjdaMURTYmVFTGUzODFoc1U?oc=5) · DeXpose
- 2026-07-28 [Appli Doubles Credit Union Footprint and Hits $2 Billion in AI-Powered Member Calculations - FF News](https://news.google.com/rss/articles/CBMiswFBVV95cUxNSkV2YVNBdWwzbkRsR0piaU5fMV9JZXQ1bUJUYzlGYUVJaVdUY011MUlGQzlxNDRtVlNrUkVHQTVxN1JheURqaEVGdzh6aFo1S245NXVMdHItSFNBeXBUNWVPY1FBQVBwX3psVndZbXZvdlVhUG9lVlM4Y1k5aWpaeE9jd0hGTHhmRUFRZmg2X1d5TGd2bW5Lc2RHZVFaOHJTSmNSMk8weHJWc1FPbkx3Tm9pVQ?oc=5) · FF News
- 2026-06-24 [Appli Signs 20th Credit Union Partner, Surpasses $2 Billion in Member Calculations - EIN Presswire](https://news.google.com/rss/articles/CBMixgFBVV95cUxPUjA0Ty1LMjQxQm5XOEY4bTdJenRpc3pPalJCbXhYMHNvLWFfbU9sNVFfcGtqMTlrd0M4UExDMVB6cjFvUUw5MGZ3T1JTWEszSFVoc0g5VklmUGNzRFRqWFJnLTU3d25oQ2E3VzZCQ29RaVg2WVhvbzZhUFFfVVpNX1lkWmlIMW5nV3BKRjBLTEJIdzhzSlBTRElySXFOblZYSUJtdE1yWThGR0ZfRnV3RUo3N0lQVHFtMnRwVlktM2ozc3FzZVE?oc=5) · EIN Presswire
- 2026-01-19 [138+ Places You Can Get Your Credit Score for Free (2026 Update) - nav.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxOdDFyWXdfR2J2ZG5FM0FwcEVLLTFsRDZNZElWNFNOemRVTGNkWFRiVUNSWVBBYmlzdG5PNjhkNjdwQ25fZEtwTkJzejZ3YzZZUmRXa0tzSUQ4MXNGcDBKYUR4SzN4TEYzODhQVXZMLW5vSU1pQ0I4LUN6dUhqRFA2LS1vcmx1Wm5SUEE?oc=5) · nav.com
- 2026-01-27 [Sheri Lynn Riley Obituary (2026) - Indianapolis, IN - Oakley-Hammond Funeral Home - Indianapolis - legacy.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE5YY1AycHMyV2xZNm9IejJHYXZOQmZKWkE4SW92RkVXUXFGc1NvTVEwUVBPcDRaZGpNZU9nTzN0MVhqLUpRVjB1UnRST1ptV0RrdDk4WEV3TUxOamdrcERXNk1jd3FFdFR5SVlXWEFtckpjR0RXOVVTa1Zaemk1Q3c?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=82793 (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/41.json (key "82793", 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=82793
- 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