Kemba Credit Union, Inc. West Chester, Ohio
Kemba Credit Union, Inc. is a state-chartered credit union headquartered in West Chester, OH, established in 1934 (NCUA charter 61810), and it is regulated and insured by the NCUA. At Q2 2026 it reported 130,948 members and total assets of $1.74B (up 0.7% from Q2 2025), the 6th largest of 191 credit unions headquartered in Ohio. Its net worth ratio was 11.68% at Q2 2026, in the well capitalized band.
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 61810
- Headquarters
- West Chester, OH
- Established
- 1934
- Total assets, Q2 2026
- $1.74B
- Assets vs Q2 2025
- +0.7%
- Members, Q2 2026
- 130,948
- Net worth ratio, Q2 2026
- 11.68%
- Latest call report
- Q2 2026, NCUA 5300 · Kemba Credit Union, Inc. call report
- Asset rank in state
- 6th of 191 in Ohio
- Routing number
- 242076973
- Branches
- 15
It has 2,080 more members than on June 30, 2025 (+1.6%). Its net worth ratio was up 0.47 percentage points from 11.21% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $603.5M of $1.43B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.85% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 11.68% net worth ratio is above that band's 10.89% median.
Credit unions merged into Kemba Credit Union, Inc.
Whitewater Regional Federal Credit Union (2025) · Wufface Federal Credit Union (2024) · Richmond City Employees Federal Credit Union (2023) · New Horizons Credit Union, Inc. (2021) · Carmel Brotherhood Federal Credit Union (2018) · Midwest Associates Federal Credit Union (2014)
Frequently asked about Kemba Credit Union, Inc.
How big is Kemba Credit Union, Inc.?
At Q2 2026 it reported total assets of $1.74B and 130,948 members.
Where is Kemba Credit Union, Inc. headquartered?
It is headquartered in West Chester, OH, United States.
When was Kemba Credit Union, Inc. founded?
It was established in 1934, per NCUA records.
Is Kemba Credit Union, Inc. FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 61810): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Kemba Credit Union, Inc.?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Kemba Credit Union, Inc. well capitalized?
Its net worth ratio was 11.68% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Kemba Credit Union, Inc.'s delinquency ratio?
Its delinquency ratio was 0.85% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Kemba Credit Union, Inc.'s loan-to-share ratio?
Its loan-to-share ratio was 94.12% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- West Chester, OH 45069
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1934
- NCUA Charter #
- 61810
- RSSD ID
- 704492
- Members
- 130,948
- Potential members
- 3,374,170
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 0 of 7 ranked measures and in the bottom quartile on 4.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 11.68% | 10.89% | 61st above |
| Return on assets Middle half of peers: 0.59% to 1.25% | 0.61% | 0.89% | 27th below |
| Return on equity Middle half of peers: 5.37% to 10.92% | 5.23% | 8.07% | 24th bottom |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 2.96% | 3.45% | 22nd bottom |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 77.59% | 70.59% | 24th bottom |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 2.18% | 1.68% | 17th bottom |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.85% | 0.68% | 38th below |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 5.14% | 5.12% | 51st position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 94.12% | 88.03% | 71st position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$1.74B total assets against $1.73B; $1.51B total shares and deposits against $1.48B; $1.43B total loans against $1.36B.
$203.2M net worth against $193.6M.
11.68% net worth ratio against 11.21%.
94.12% loan-to-share ratio against 91.40%.
0.85% delinquency ratio against 0.71%.
0.61% return on assets against 0.56%; 5.23% return on equity against 4.96%.
2.96% net interest margin against 2.74%.
130,948 members against 128,868.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 11.68% | 0.61% | 0.85% | 94.12% |
| March 31, 2026 | 11.27% | 0.51% | 0.76% | 91.73% |
| December 31, 2025 | 11.33% | 0.56% | 0.81% | 94.48% |
| September 30, 2025 | 11.32% | 0.50% | 0.85% | 95.50% |
| June 30, 2025 | 11.21% | 0.56% | 0.71% | 91.40% |
| March 31, 2025 | 10.80% | 0.34% | 0.62% | 90.32% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.