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Credit union call report ยท West Chester, OH

Kemba Credit Union, Inc. Call Report

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Kemba Credit Union, Inc. filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 501 filed line items, in the form's order. Dollar amounts are whole dollars as filed.

Kemba Credit Union, Inc. call report filing details
Call report formNCUA 5300
Latest quarter filedQ2 2026 (June 30, 2026)
NCUA charter number61810
Federal Reserve RSSD ID704492

The official copy: search charter number 61810 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.

Kemba Credit Union, Inc. call report, Q2 2026

Statement of Financial Condition (40 items)
Kemba Credit Union, Inc., Statement of Financial Condition, Q2 2026
Line item Account Q2 2026
1a. Coin and Currency AS0004 $7.5M
1b. Cash Items in Process of Collection AS0005 $3.4M
1c. Total Cash on Hand 730A $11.0M
2a. Cash on Deposit in Corporate Credit Unions 730B1 $27.3M
2b. Cash on Deposit in Federal Reserve Bank AS0003 $101.8M
2c. Cash on Deposit in Other Financial Institutions 730B2 $2.6M
2. Cash on Deposit (total) 730B $131.7M
3. Time Deposits in Banks and Credit Unions AS0007 $325K
5. TOTAL CASH AND OTHER DEPOSITS AS0009 $143.0M
9. Held-to-Maturity Debt Securities AS0073 $15K
11. TOTAL INVESTMENT SECURITIES AS0013 $15K
12b. Perpetual Contributed Capital 769B $1.7M
12c. All Other Investments AS0016 $10.6M
13. TOTAL OTHER INVESTMENTS AS0017 $12.4M
14. Loans Held for Sale 003 $1.9M
15a. Number of Total Loans and Leases 025A 72,588
15b. Total Loans and Leases 025B $1.43B
17. ACL on Loans and Leases AS0048 $7.6M
18c. Foreclosed/Repossessed - Vehicles AS0024 $1.5M
18d. Foreclosed/Repossessed - Other AS0025 $54K
18e. Foreclosed/Repossessed Assets (total) 798A $1.6M
19. Land and Building 007 $53.7M
20. Other Fixed Assets 008 $3.6M
21. NCUA Share Insurance Capitalization Deposit 794 $14.2M
22a. Goodwill 009D2 $768K
22b. Mortgage Servicing Rights 779 $2.0M
22d. Accrued Interest on Loans 009A $5.5M
22e. Accrued Interest on Investments 009B $48K
22f. All Other Assets 009C $83.5M
22g. Total Other Assets AS0036 $91.8M
23. TOTAL ASSETS 010 $1.74B
Accounts Payable and Other Liabilities 825 $24.1M
Accrued Dividends and Interest Payable 820A $107K
Member Shares of All Types 013 $1.48B
Nonmember Deposits 880 $33.2M
Total Shares and Deposits 018 $1.51B
Undivided Earnings 940 $199.1M
Total Net Worth 997 $203.2M
Net Worth Ratio 998 11.68%
TOTAL LIABILITIES, SHARES, AND EQUITY 014 $1.74B
Statement of Income and Expense (24 items)
Kemba Credit Union, Inc., Statement of Income and Expense, Q2 2026
Line item Account Q2 2026
1. Interest on Loans and Leases 110 $40.6M
3. Income from Investments 120 $4.1M
5. TOTAL INTEREST INCOME 115 $44.6M
6. Dividends on Shares 380 $18.9M
8. Interest on Borrowed Money 340 $320K
9. TOTAL INTEREST EXPENSE 350 $19.2M
10. NET INTEREST INCOME IS0010 $25.4M
12a. Credit Loss Expense - Loans and Leases IS0011 $2.4M
12e. Total Credit Loss Expense IS0017 $2.4M
13. Fee Income 131 $3.0M
14. Other Operating Income IS0020 $4.2M
23. TOTAL NON-INTEREST INCOME 117 $7.3M
24. Employee Compensation and Benefits 210 $13.8M
25. Travel and Conference 230 $151K
26. Office Occupancy 250 $1.6M
27. Office Operations 260 $2.8M
28. Educational and Promotional 270 $901K
29. Loan Servicing 280 $1.4M
30. Professional and Outside Services 290 $4.6M
31. Member Insurance 310 $2K
32. Operating Fees 320 $80K
33. Miscellaneous Operating Expense 360 $136K
34. TOTAL NON-INTEREST EXPENSE 671 $25.4M
35. NET INCOME 661A $4.9M
Statement pages - all other filed accounts (27 items)

delinquency (21%), credit cards (21%)

Kemba Credit Union, Inc., Statement pages - all other filed accounts, Q2 2026
Line item Account Q2 2026
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 1 month to less than 2 months delinquent 020B $5.0M
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 2 to less than 6 months delinquent 021B $4.5M
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 6 to less than 12 months delinquent 022B $3.8M
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 12 months and over delinquent 023B $2.1M
Amount of Delinquent Unsecured Credit Card Loans as of - 1 month to less than 2 months delinquent. 024B $321K
Loans Granted Year-to-Date 031A $8K
Amount of Loans Granted Year-to-Date 031B $220.7M
Total Amount of Delinquent Loans & Leases (Two or more months) 041B $12.1M
Number of current members (not number of accounts) 083 130,948
Number of potential members 084 3,374,170
Net Member Business Loan Balance 400A $156.8M
Non-Member Deposits 457 $124
Interest Rate of Unsecured Credit Card Loans 521 990.00%
Interest Rate of All Other Unsecured Loans/Lines of Credit 522 1,390.00%
Interest Rate of New Vehicle Loans 523 599.00%
Interest Rate of Used Vehicle Loans 524 659.00%
Total Amount of All Loans Charged Off Year-to-Date 550 $3.8M
Total Amount of All Year-to-Date Recoveries on Charged-Off Loans 551 $533K
Total Amount of All Other Shares 630 $18.5M
Amount of Regular Shares 657 $239.2M
Balance Outstanding of All Interest Only & Payment Option 1st Mortgage Loans. 704C1 $3.3M
Amount of Share Drafts 902 $231.2M
IRA/KEOGH Accounts - < 1 Year 906A $63.9M
Share Certificates - < 1 Year 908A $393.2M
Total Amount of Share Certificates 908C $540.0M
Total Amount of Money Market Shares 911 $340.6M
Number of Used Vehicle Loans 968 28,415
NCUA data file FS220A (33 items)

loans and leases (25%), income and expense (25%), shares and deposits (19%)

Kemba Credit Union, Inc., NCUA data file FS220A, Q2 2026
Line item Account Q2 2026
Amount of Leases Receivable 002 $37.1M
Total Shares - < 1 Year 013A $1.29B
Total Shares - 1-3 Years 013B1 $149.7M
Total Shares - > 3 Years 013B2 $44.7M
Total Shares and Deposits - < 1 Year 018A $1.31B
Total Shares and Deposits - 1-3 Years 018B1 $158.6M
Total Shares and Deposits - > 3 Years 018B2 $44.7M
Amount of Deliquent Leases Receivables - 1 month to less than 2 months delinquent 020D $31K
Amount of Delinquent Leases Receivables - 2 to less than 6 months delinquent 021D $5K
Number of Total Delinquent Loans & Leases (Two or more months) 041A 990
Amount of Delinquent Leases Receivables 041D $5K
Amount of Delinquent Indirect Loans 041E $6.8M
Effective date of last audit 063 $122K
Amount of Used Vehicle Loans 370 $355.1M
Amount of New Vehicle Loans 385 $104.8M
Amount of Unsecured Credit Card Loans 396 $62.0M
Amount of All Other Unsecured Loans/Lines of Credit 397 $25.0M
Share Certificates 451 $15K
Number of Accounts for Share Drafts 452 45,769
IRA/KEOGH Accounts 453 $5K
Number of Accounts for Regular Shares 454 115,574
All other shares 455 $5K
Money Market Shares 458 $12K
Number of Accounts for Total Shares and Deposits (Sum of items 15-16) 460 198,652
Number of credit union employees who are Full-Time (26 hours or more) 564A 280
Number of credit union employees who are Part-Time (25 hours or less per week) 564B 27
Interest Rate of Leases Receivable 565 660.00%
Number of Outstanding Indirect Loans 617A 28,863
Total Amount of Outstanding Indirect Loans 618A $488.1M
Amount of real estate loans sold but serviced by the credit union 779A $237.9M
Total credit lines 881 $877.5M
Other Comprehensive Income (unless already included in item 33 or 34) 945B -$1.9M
Number of Leases Receivable 954 942
NCUA data file FS220B (34 items)

maturity and repricing buckets (40%), credit cards (17%)

Kemba Credit Union, Inc., NCUA data file FS220B, Q2 2026
Line item Account Q2 2026
Amount of Delinquent Unsecured Credit Card Loans as of - 2 to less than 6 months delinquent 026B $190K
Amount of Delinquent Unsecured Credit Card Loans as of - 12 months and over delinquent 028B $23K
Total Number of Reportable delinquent Leases Receivable Loans 034E $1
Number - Total Delinquent Credit Card Loans 045A 74
Total Amount of Delinquent Unsecured Credit Card Loans 045B $314K
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E) 065A4 $105.9M
Total Uninsured Shares and Deposits > $250K (F+J) 068A $105.9M
Total Insured Shares and Deposits > $250K (item 17 less item K) 069A $1.41B
Effective date of the most recent Supervisory Committee verification of Member's accounts 603 $122K
All other shares - < 1 Year 630A $18.5M
Amount of Regular Shares - < 1 Year 657A $239.2M
Total Amount of Unsecured Credit Card Loans Charged Off Year-to-Date 680 $534K
Total Amount of Year-to-Date Recoveries on Unsecured Credit Card Loans Charged Off 681 $81K
Total Amount of All First Mortgage Loans which have been sold in the secondary market year-to-date 736 $15.3M
Fair value of Held to Maturity Securities 801 $15K
Does you credit union maintain share/deposit insurance coverage other than the NCUSIF? 875 $1
Dollar amount of shares and/or deposits insured by the company named above 877 $3.2M
Non-Member Deposits - < 1 Year 880A $24.3M
Non-Member Deposits - 1-3 Years 880B1 $8.8M
Is your credit union a member of a Federal Home Loan Bank? 896 $1
Amount of Share Drafts - < 1 Year 902A $231.2M
IRA/KEOGH Accounts - 1-3 Years 906B1 $32.3M
IRA/KEOGH Accounts - > 3 Years 906B2 $15.3M
Total Amount of IRA/KEOGH Accounts 906C $111.5M
Share Certificates - 1-3 Years 908B1 $117.4M
Share Certificates - > 3 Years 908B2 $29.4M
Money Market Shares - < 1 Year 911A $340.6M
Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff 956 $1.1M
Number of New Vehicle Loans 958 4,279
Total Shares 966 $199K
Total of outstanding loan balances subject to bankruptcies identified in items 23a-c. 971 $7.8M
Number of Unsecured Credit Card Loans 993 22,836
Number of All Other Unsecured Loans/Lines of Credit 994 8,275
Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff 995 30
NCUA data file FS220C (10 items)

charge-offs and recoveries (27%), participation loans (18%)

Kemba Credit Union, Inc., NCUA data file FS220C, Q2 2026
Line item Account Q2 2026
Indicate in the box at the right the number of the description below that best characterizes the last audit performed of your credit union's records 064 $1
Total Amount of All Leases Receivables Charged Off Year-to-Date 550D $11K
Total Amount of Indirect Loans Charged Off Year-to-Date 550E $2.7M
Total Amount of All Year-to-Date Recoveries on Charged-Off Indirect Loans 551E $300K
Number of credit union branches (include the main office if member services are conducted at that location) 566 16
Supplemental Share Information - Accounts Held by Non-Member Government Depositors 632 $6.1M
Supplemental Share Information - Dollar Amount of Share Certificates = or > $100,000 638 $283.2M
Supplemental Share Information - Dollar Amount of IRA/Keogh Accounts = or > $100,000 639 $34.0M
Amount of Participation Loans Purchased Year-to-Date 690 $7.5M
Amount of Participation Loans Sold Year-to-Date 691 $4.8M
NCUA data file FS220D (33 items)

member services and products offered (69%), CUSO relationships (27%)

Kemba Credit Union, Inc., NCUA data file FS220D, Q2 2026
Line item Account Q2 2026
Does the credit union provide member services through a credit union shared branch services center? 566A $1
Does the credit union plan to add any new branches or expand existing facilities in the next 12 months? 566B $1
No Cost Share Drafts 879A4 $1
Share Certificates with Low Minimum Balance Requirements 879A5 $1
Financial Counseling 879B1 $1
Financial Education 879B2 $1
First Time Homebuyer Program 879B4 $1
Online Financial Literacy 879B7 $1
No Cost Bill Payer 879C2 $1
Student Scholarships 879C4 $1
Mortgage Processing 879G $1
Approved Mortgage Seller 879H $1
Brokered Deposits (All deposits acquired through a third party) 879T $1
International Remittances 879V $1
Low-cost wire transfers 879W $1
Member Application 887A $1
Loan Application 887B $1
New Share Account 887E $1
Loan Payments 887F $1
Bill Payment 887J $1
External or Third-Party Account Aggregation 887M $1
Electronic Signature Authentication/Certification 887P $1
e-Statements 887R $1
External Transfers/Payment ? ACH 887S $1
Remote Deposit Capture 887U $1
MobilePmts 887V $1
Informational Website PI0007 $1
Mobile Application PI0008 $1
Online Banking PI0009 $1
Person-to-Person PI0011 $1
Point-of-sale-Processing PI0012 $1
Does the CU offer an ATM Network that is surcharge free? PP0034 $1
CU offer Shared service network PP0058 $1
NCUA data file FS220G (12 items)

loans and leases (32%), participation loans (18%)

Kemba Credit Union, Inc., NCUA data file FS220G, Q2 2026
Line item Account Q2 2026
Equity Acquired in Merger 658A $4.1M
Total Outstanding Amount of Participation Loans Purchased By Type 691L $44.1M
Total Outstanding Amount of Participation Loans Sold By Type 691N $6.3M
Outstanding Amount of Real Estate Participation Loans Sold 691N2 $9K
Number of Outstanding Int Only & Payment Option 1st Mtg Loans 704C2 1
Total Value of Investments in CUSOs 851 $1.2M
Total Amount Loaned to CUSOs 852 $65K
Total Aggregate Cash Outlay in CUSOs 853 $1.2M
Assets Pledged to Secure Borrowings 878 $1.74B
Total Credit Lines at Corporate Credit Unions 884 $250.0M
Current Quarter's Total Adjusted Retained Earnings acquired through Business Combinations 1004 $4.1M
Prior Quarter-End Adjusted Retained Earnings acquired through Business Combinations 1004A $4.1M
NCUA data file FS220H (13 items)

student loans (43%), delinquency (27%)

Kemba Credit Union, Inc., NCUA data file FS220H, Q2 2026
Line item Account Q2 2026
Amount of Non-Federally Guaranteed Student Loans - 1 to <2 months 020T $128K
Amount of Non-Federally Guaranteed Student Loans - 2 to <6 months 021T $4K
Total Amount of Reportable Delinquency Non-Federally Guaranteed Student Loans 041T $55K
Total number of reportable Non-Federally Guaranteed Student Loans delinquent 053E $2
Non-Federally Guaranteed Student Loans YTD Charge Offs 550T $44K
Non-Federally Guaranteed Student Loans YTD Recoveries 551T $370
Interest Rate on Non-Federally Guaranteed Student Loans 595A 1,025.00%
Outstanding Amount of Non-Federally Guaranteed Student Loans Participations Purchased 691L7 $115K
Amount of Non-Federally Guaranteed Student Loans 698A $7.7M
Total Unfunded Commitments for all loan types 816A $228.1M
Number of Non-Federally Guaranteed Student Loans 963A 357
Total number of TDR loans outstanding 1000F $80
Total amount of TDR loans outstanding 1001F $911K
NCUA data file FS220I (19 items)

vehicle lending (59%), delinquency (44%)

Kemba Credit Union, Inc., NCUA data file FS220I, Q2 2026
Line item Account Q2 2026
Amount of New Vehicle Loans Delinquent 30 to 59 days 020C1 $167K
Amount of Used Vehicle Loans Delinquent 30 to 59 days 020C2 $3.6M
Amount of New Vehicle Loans Delinquent 60 to 179 days 021C1 $184K
Amount of Used Vehicle Loans Delinquent 60 to 179 days 021C2 $2.1M
Amount of New Vehicle Loans Delinquent 180 to 359 days 022C1 $78K
Amount of Used Vehicle Loans Delinquent 180 to 359 days 022C2 $3.0M
Amount of New Vehicle Loans Delinquent >=360 days 023C1 $80K
Amount of Used Vehicle Loans Delinquent >=360 days 023C2 $1.1M
Number of Reportable Delinquent New Vehicle Loans 035E1 16
Number of Reportable Delinquent Used Vehicle Loans 035E2 598
Amount of Reportable Delinquent New Vehicle Loans 041C1 $342K
Amount of Reportable Delinquent Used Vehicle Loans 041C2 $7.3M
Amount of New Vehicle Loans YTD Charge Offs 550C1 $66K
Amount of Used Vehicle Loans YTD Charge Offs 550C2 $2.4M
Amount of New Vehicle Loans YTD Recoveries 551C1 $27K
Amount of Used Vehicle Loans YTD Recoveries 551C2 $290K
Commercial Share Accounts 643 $60.9M
Negative Shares as Included in All Other Unsecured Loans/Lines of Credit 644 $306K
Number of International Remittances originated Year-to-Date 928 17
NCUA data file FS220J (2 items)

investment portfolio detail (33%), insured and uninsured shares (33%), derivatives (25%)

Kemba Credit Union, Inc., NCUA data file FS220J, Q2 2026
Line item Account Q2 2026
Other Assets - Other Insurance 789E2 $39.7M
Amounts reported in the Asset section or deferred compensation plans of NCUA Rules and Regulations (if FCU), or similar state provisions (if SCU) 789G $39.7M
NCUA data file FS220L (54 items)

commercial and business lending (90%), participation loans (36%), real estate lending (18%)

Kemba Credit Union, Inc., NCUA data file FS220L, Q2 2026
Line item Account Q2 2026
Total Number of Loans & Leases on Loan Schedule 025A1 $73K
Total Amount of Loans & Leases on Loan Schedule 025B1 $1.43B
Total number of commercial loans to members granted or purchased YTD 090A1 $18
Total number of purchased commercial loans or participation interests to nonmembers purchased YTD 090B1 $20
Number of member commercial loans Secured by Owner Occupied Non-farm, Non-Residential Property granted or purchased YTD 090H2 4
Number of purchased or participation interests in commercial loans secured by owner occupied non-farm, non- residential property to nonmembers purchased YTD 090H3 10
Number of member commercial loans Secured by Non-Owner Occupied Non-farm, Non-Residential Property granted or purchased YTD 090J2 12
Number of purchased or participation interests in commercial loans secured by non-owner occupied non-farm, non-residential property to nonmembers purchased YTD 090J3 10
Total Number of member commercial real estate secured loans granted or purchased YTD 090K2 $16
Total Number of purchased or participation interests in commercial loans secured by real estate to nonmembers YTD 090K3 $20
Number of Member Commercial and industrial loans granted or purchased YTD 090L2 2
Number of member construction and development commercial loans 143A3 4
Number of purchased or participation interests in commercial loans secured by construction and development property to nonmembers 143A4 7
Outstanding balance of member construction and development commercial loans 143B3 $3.9M
Outstanding balance of purchased or participation interests in commercial loans secured by construction and development property to nonmembers 143B4 $7.4M
Amount of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 386A $96.1M
Amount of All Other Real Estate Loans/Lines of Credit 386B $10.0M
Total outstanding balance of commercial loans to members 400A1 $155.9M
Total outstanding balance of nonmember commercial loans 400B1 $43.8M
Outstanding balance of Unsecured Revolving Lines of Credit Granted to Members for Commercial Purposes 400C6 $493K
Outstanding balance of member commercial loans Secured by Owner Occupied, Non-Farm, Non-Residential Property 400H2 $39.9M
Outstanding balance of purchased or participation interests in commercial loans Secured by Owner Occupied, Non-Farm, Non-Residential Property to nonmembers 400H3 $8.9M
Outstanding balance of member commercial loans Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property 400J2 $69.0M
Outstanding balance of purchased or participation interests in commercial loans Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property to nonmembers 400J3 $27.5M
Outstanding balance of Member Commercial and Industrial loans 400L2 $18.2M
Outstanding balance of member commercial loans Secured Multifamily Property 400M $24.5M
Amount of Commercial Loans/Lines of Credit Not Real Estate Secured 400P $18.7M
Outstanding balance of all member and non-member commercial loans 400T1 $199.7M
Total Dollar amount of member commercial loans granted or purchased YTD 475A1 $8.2M
Total Dollar amount of nonmember commercial loans purchased YTD 475B1 $7.5M
Dollar Amount of Member Commercial loans Secured by Owner Occupied Non-farm, Non-Residential Property granted or purchased YTD 475H2 $3.1M
Dollar Amount of Purchased or participation interests in commercial loans to nonmembers Secured by Owner Occupied, Non-Farm, Non-Residential Property purchased YTD 475H3 $3.7M
Dollar Amount of Member Commercial loans Secured by Non-Owner Occupied Non-Farm, Non-Residential Property granted or purchased YTD 475J2 $5.0M
Dollar Amount of Purchased or participation interests in commercial loans to nonmembers Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property purchased YTD 475J3 $3.8M
Total Dollar amount of real estate secured member commercial loans granted or purchased YTD 475K2 $8.1M
Total Dollar amount of real estate secured commercial loans to nonmembers purchased YTD 475K3 $7.5M
Dollar Amount of Member Commercial and Industrial loans granted or purchased YTD 475L2 $107K
Interest Rate of Commercial Loans/Lines of Credit Real Estate Secured 525 575.00%
Interest Rate of Commercial Loans/Lines of Credit Not Real Estate Secured 526 600.00%
Interest Rate of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 562A 850.00%
Interest Rate of All Other Real Estate Loans/Lines of Credit 562B 750.00%
Interest Rate of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 563A 613.00%
Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit 595B 779.00%
Outstanding Amount of Commercial Loans Excluding C&D Participation Loans Purchased 691L8 $36.4M
Outstanding Amount of Commercial Construction & Development Loans Purchased 691L9 $7.4M
Outstanding Amount of Commercial Loans Excluding C&D Participation Loans Sold 691N8 $4.4M
Amount of All Other Secured Non-Real Estate Loans/Lines of Credit 698C $30.1M
Amount of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 703A $497.4M
Balance Outstanding of 1st Mtg Residential construction Loans - Excluding Commercial Purpose 704A2 $8.0M
Total Outstanding Balance of real estate secured member commercial loans 718A3 $137.3M
Total Outstanding Balance of real estate secured nonmember commercial loans 718A4 $43.8M
Amount of Commercial Loans/Lines of Credit Real Estate Secured 718A5 $181.1M
Amount of Outstanding commercial participations sold but retained servicing (including unfunded commitments) 1061 $1.1M
Number of Outstanding commercial participations sold but retained servicing (including unfunded commitments) 1061A 1
NCUA data file FS220M (25 items)

commercial and business lending (89%), real estate lending (26%), participation loans (23%)

Kemba Credit Union, Inc., NCUA data file FS220M, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for Revolving Open-End lines secured by 1-4 Family Residential Properties (Non-Commercial) 811D $79.3M
Total Unfunded Commitments for Credit Card Lines (Non-Commercial) 812C $109.9M
Total Unfunded Commitments for Commercial Loans 814K $9.4M
Total Unfunded Commitments for Unsecured Share Draft Lines of Credit (Non-Commercial) 815C $981K
Total Other Unfunded Commitments (Non-Commercial) 816B5 $7.0M
Total Unfunded Commitments for Non-Commercial Loans 816T $218.8M
Total Unfunded Commitments for Overdraft Protection Program Commitments (Non-Commercial) 822C $21.6M
Total number of member commercial loans 900A1 $196
Total number of nonmember commercial loans 900B1 $96
Number of Member Unsecured Revolving Lines of Credit Granted to Members for Commercial Purposes 900C6 4
Number of member commercial loans Secured by Owner Occupied, Non-Farm, Non-Residential Property 900H2 57
Number of purchased or participation interests in commercial loans Secured by Owner Occupied, Non-Farm, Non-Residential Property to nonmembers 900H3 30
Number of member commercial loans Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property 900J2 94
Number of purchased or participation interests in commercial loans Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property to nonmembers 900J3 59
Total number of real estate secured member commercial loans 900K2 $181
Total number of real estate secured nonmember commercial loans 900K3 $96
Number of Commercial Loans/Lines of Credit Real Estate Secured 900K4 277
Number of Member Commercial and Industrial loans 900L2 11
Number of member commercial loans Secured by Multifamily Property 900M 26
Number of Commercial Loans/Lines of Credit Not Real Estate Secured 900P 15
Total Number of Member and Nonmember commercial loans 900T1 $292
Number of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 959A 1,424
Number of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 960A 2,014
Number of All Other Real Estate Loans/Lines of Credit 960B 14
Number of All Other Secured Non-Real Estate Loans/Lines of Credit 963C 3,740
NCUA data file FS220N (4 items)

investment portfolio detail (53%), maturity and repricing buckets (31%), CECL allowances (30%)

Kemba Credit Union, Inc., NCUA data file FS220N, Q2 2026
Line item Account Q2 2026
Held-to-Maturity Debt Securities > 10 Years AS0072 $15K
Total Liabilities LI0069 $1.54B
(CECL) One-time Adjustment to Undivided Earnings for those credit unions that have adopted ASC topic 326 - Financial Instruments - Credit Losses NW0002 $143K
Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility NW0010 $1.74B
NCUA data file FS220P (65 items)

commercial and business lending (52%), delinquency (49%), real estate lending (23%)

Kemba Credit Union, Inc., NCUA data file FS220P, Q2 2026
Line item Account Q2 2026
Loan Loss Information - YTD Charge Offs - All Other Unsecured Loans/Lines of Credit CH0007 $673K
Loan Loss Information - YTD Recoveries - All Other Unsecured Loans/Lines of Credit CH0008 $117K
Loan Loss Information - YTD Charge Offs - All Other Secured Non-Real Estate Loans/Lines of Credit CH0015 $63K
Loan Loss Information - YTD Recoveries - All Other Secured Non-Real Estate Loans/Lines of Credit CH0016 $18K
Loan Loss Information - YTD Charge Offs - All Other (Non-Commercial) Real Estate Loans/Lines of Credit CH0021 $16K
Loan Loss Information - YTD Recoveries - All Other (Non-Commercial) Real Estate Loans/Lines of Credit CH0022 $5
Amount of real estate loans included in Accounts 718A3 and 718A4 above that contractually refinance, reprice, or mature within the next 5 years. CM0099 $171.3M
Unsecured Credit Card Loans DL0002 $101K
Non-Federally Guaranteed Student Loans DL0016 $51K
All Other Unsecured Loans/Lines of Credit DL0022 $239K
All Other Unsecured Loans/Lines of Credit DL0023 $136K
All Other Unsecured Loans/Lines of Credit DL0024 $319K
All Other Unsecured Loans/Lines of Credit DL0025 $380K
All Other Unsecured Loans/Lines of Credit DL0026 $3K
All Other Unsecured Loans/Lines of Credit DL0027 $839K
All Other Unsecured Loans/Lines of Credit - Total Number of Reportable Delinquent Loans DL0028 $245
Used Vehicle Loans DL0037 $1.1M
All Other Secured Non-Real Estate Loans/Lines of Credit DL0050 $77K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0051 $33K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0052 $65K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0053 $155K
Delinquent Loans by Collateral Type - >=360 days - All Other Secured Non-Real Estate Loans/Lines of Credit DL0054 $34K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0055 $286K
Delinquent Loans by Collateral Type - Total Number of Reportable Delinquent Loans - All Other Secured Non-Real Estate Loans/Lines of Credit DL0056 $33
Delinquent Loans by Collateral Type - 60 - 89 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0058 $264K
Delinquent Loans by Collateral Type - 90 - 179 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0059 $535K
Delinquent Loans by Collateral Type - >=360 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0061 $36K
Delinquent Loans by Collateral Type - Total Amount of Reportable Delinquent Loans - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0062 $835K
Delinquent Loans by Collateral Type - Total Number of Reportable Delinquent Loans - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0063 $6
Delinquent Loans by Collateral Type - 30 - 59 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0064 $502K
Delinquent Loans by Collateral Type - 60 - 89 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0065 $9K
Delinquent Loans by Collateral Type - 90 - 179 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0066 $10K
Delinquent Loans by Collateral Type - 180 - 359 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0067 $62K
Delinquent Loans by Collateral Type - >=360 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0068 $84K
Delinquent Loans by Collateral Type - Total Amount of Reportable Delinquent Loans - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0069 $165K
Delinquent Loans by Collateral Type - Total Number of Reportable Delinquent Loans - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0070 $7
Dollar Amount of Reportable Delinquency - >=360 Days Delinquent - Commercial Loans/Lines of Credit Construction and Development Loans DL0082 $700K
Total Dollar Amount of Reportable Delinquency - Commercial Loans/Lines of Credit Construction and Development Loans DL0083 $700K
Total Number of Reportable Delinquent Loans - Commercial Loans/Lines of Credit Construction and Development Loans DL0084 $1
Dollar Amount of Reportable Delinquency - 60 - 89 Days Delinquent - Commercial Loans/Lines of Credit Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property DL0107 $79K
Dollar Amount of Reportable Delinquency - 90 - 179 Days Delinquent - Commercial Loans/Lines of Credit Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property DL0108 $1.0M
Dollar Amount of Reportable Delinquency - 180 - 359 Days Delinquent - Commercial Loans/Lines of Credit Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property DL0109 $114K
Total Dollar Amount of Reportable Delinquency - Commercial Loans/Lines of Credit Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property DL0111 $1.2M
Total Number of Reportable Delinquent Loans - Commercial Loans/Lines of Credit Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property DL0112 $5
Dollar Amount of Reportable Delinquency - 90 - 179 Days Delinquent - Commercial Loans/Lines of Credit - Commercial and Industrial Loans DL0122 $67K
Total Dollar Amount of Reportable Delinquency - Commercial Loans/Lines of Credit - Commercial and Industrial Loans DL0125 $67K
Total Number of Reportable Delinquent Loans - Commercial Loans/Lines of Credit - Commercial and Industrial Loans DL0126 $1
Dollar Amount of Reportable Delinquency - 180 - 359 Days Delinquent - Commercial Loans/Lines of Credit - Unsecured Revolving Lines of Credit for Commercial DL0137 $49K
Total Dollar Amount of Reportable Delinquency - Commercial Loans/Lines of Credit - Unsecured Revolving Lines of Credit for Commercial DL0139 $49K
Total Number of Reportable Delinquent Loans - Commercial Loans/Lines of Credit - Unsecured Revolving Lines of Credit for Commercial DL0140 $1
Delinquent Loans by Collateral Type - 60-89 days - Total Delinquent Loans and Leases DL0141 $1.8M
Amount of reportable delinquency included in Total Delinquent Loans and Leases (Account 041B), that relates to: Participation Loans Purchased under 701.22 DL0142 $1.7M
Amount of Consumer Loans in Non-Accrual Status DL0145 $8.5M
Borrower Experiencing Financial Difficulty Not in Compliance with Modified Loan Terms - Number of Modified Loans DL0148 $26
Borrower Experiencing Financial Difficulty Not in Compliance with Modified Loan Terms - Amount of Modified Loans DL0149 $295K
Number of Indirect Loans - New and Used Vehicle Loans IN0001 26,651
Amount of Indirect Loans - New and Used Vehicle Loans IN0002 $425.6M
Number of Indirect Loans - Commercial Loans IN0005 96
Amount of Indirect Loans - Commercial Loans IN0006 $43.8M
Number of Indirect Loans - All Other Loans IN0007 2,116
Amount of Indirect Loans - All Other Loans IN0008 $18.7M
Off-Balance Sheet Exposures - Conditionally Cancelable Unfunded Commitments - Commercial Loans LQ0014 $9.4M
Off-Balance Sheet Exposures - Conditionally Cancelable Unfunded Commitments - Consumer Loans - Secured and Real Estate LQ0015 $82.7M
Off-Balance Sheet Exposures - Conditionally Cancelable Unfunded Commitments - Consumer Loans - Unsecured LQ0016 $136.0M
Off-Balance Sheet Exposures - Conditionally Cancelable Unfunded Commitments -Total LQ0017 $228.1M
NCUA data file FS220Q (30 items)

investment portfolio detail (69%)

Kemba Credit Union, Inc., NCUA data file FS220Q, Q2 2026
Line item Account Q2 2026
Off-Balance Sheet Exposures - Financial Standby Letters of Credit LQ0022 $10.0M
Borrowing Arrangements - Assets Pledged to Secure All Outstanding Borrowings - Corporate Credit Unions LQ0035 $780.5M
Borrowing Arrangements - Line of Credit Limit - Federal Home Loan Bank LQ0040 $328.4M
Borrowing Arrangements - Assets Pledged to Secure All Outstanding Borrowings - Federal Home Loan Bank LQ0043 $497.4M
Borrowing Arrangements - Assets Pledged to Secure All Outstanding Borrowings - FRB LQ0047 $459.9M
Held-to-maturity Amortized Cost - Federal Agency Securities -Guaranteed - Agency/GSE Debt Instruments - Guaranteed NV0013 $15K
Held-to-maturity Fair Value - Federal Agency Securities -Guaranteed - Agency/GSE Debt Instruments - Guaranteed NV0014 $15K
Held-to-maturity Amortized Cost - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed NV0021 $15K
Held-to-maturity Fair Value - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed NV0022 $15K
Total Amortized Cost Held-to-Maturity Debt Securities NV0081 $15K
Investment Maturity Distribution - Time Deposits - <=1 Year NV0111 $325K
Investment Maturity Distribution - Time Deposits - Total NV0116 $325K
Investment Maturity Distribution - Held-to-Maturity Debt Securities - Total NV0140 $15K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >1-3 Years NV0142 $10.6M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >10 Years NV0145 $1.7M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total NV0146 $12.4M
Investment Maturity Distribution - Total Investment Securities - <=1 Year NV0153 $325K
Investment Maturity Distribution - Total Investment Securities - >1-3 Years NV0154 $10.6M
Investment Maturity Distribution - Total Investment Securities - > 10 Years NV0157 $1.7M
Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) NV0158 $12.7M
RBC Total Equity RB0001 $203.2M
RBC Allowance for Credit Losses RB0002 $7.6M
RBC Total Additions RB0005 $7.6M
RBC Total Deductions RB0009 $15.0M
RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction RB0010 $195.9M
RBC Risk-Based Capital Numerator RB0012 $195.9M
Participation Loans: Participations Sold - Retained Balance Outstanding - Vehicle-Non-commercial SL0038 $1.9M
Participation Loans: Participations Sold - Sold Year-To-Date - Amount - Vehicle - Non-commercial SL0039 $4.8M
Participation Loans: Participations Purchased - Purchased Year-To-Date - Amount - Commercial Loans excluding Construction & Development SL0049 $7.5M
Participation Loans: Participations Purchased - Outstanding Balance - Amount - All Other SL0056 $207K
NCUA data file FS220R (70 items)

risk-based capital and leverage ratio (68%), real estate lending (28%)

Kemba Credit Union, Inc., NCUA data file FS220R, Q2 2026
Line item Account Q2 2026
Borrowing Arrangements - Total Borrowing Capacity at Federal Reserve Bank LQ0061 $299.1M
CCULR Election to opt into the Complex Credit Union Leverage Ratio LR0001 1.00%
CCULR Off-Balance sheet exposures LR0002 $238.1M
CCULR Off-Balance sheet exposures ratio LR0003 1,368.00%
CCULR Goodwill and Other Intangible Assets LR0006 $768K
CCULR Goodwill and Other Intangible Assets Ratio LR0007 4.00%
RBC Schedule Total Investments RB0039 $12.4M
RBC Schedule Total Consumer Loans RB0060 $631.8M
RBC Schedule Total Commercial Loans RB0068 $199.7M
RBC Adjustments to Loans Held for Sale RB0075 -$1.9M
RBC Total for Risk Weighting Allowance for Credit Losses (Loans) RB0077 $7.6M
RBC Allowance for Credit Losses (Loans) 0% Weight RB0078 $7.6M
RBC Schedule Total Loans RB0079 $1.42B
RBC Adjustments to Total Loans RB0080 -$1.9M
RBC Total for Risk Weighting Total Loans RB0081 -$7.6M
RBC Total Loans 0% Weight RB0082 -$7.6M
RBC Schedule Total Other Assets RB0088 $164.9M
RBC Total for Risk Weighting Other Assets RB0090 $15.0M
RBC Other Assets 0% Weight RB0091 $15.0M
RBC Total from Schedule On-Balance Sheet Assets RB0099 $1.74B
RBC Total Adjustments to Schedule On-Balance Sheet Assets RB0100 $7.3M
RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight RB0101 $7.3M
RBC All other off-balance sheet exposures RB0133 $10.0M
RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts RB0170 $1.74B
RBC Allowance for Credit Losses (Loans) RB0177 $7.6M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate > 15 Years RL0001 290.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate > 15 Years RL0002 57,890,869.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate > 15 Years RL0003 10,600,890.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate 15 Years or Less RL0004 257.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate 15 Years or Less RL0005 27,047,890.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate 15 Years or Less RL0006 485,000.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Balloon/Hybrid >5 Years RL0007 $738
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Balloon/Hybrid >5 Years RL0008 $336.0M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Balloon/Hybrid 5 Years or Less RL0010 $139
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Balloon/Hybrid 5 Years or Less RL0011 $76.5M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Balloon/Hybrid 5 Years or Less RL0012 $13.8M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Total RL0016 $497.4M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Total RL0017 $24.9M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Closed-end - Fixed Rate RL0018 315.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Closed-end - Fixed Rate RL0019 13,873,715.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Closed-end - Fixed Rate RL0020 1,892,100.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Open-end - Fixed Rate RL0024 7.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Open-end - Fixed Rate RL0025 83,535.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Open-end - Adjustable Rate RL0027 1,692.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Open-end - Adjustable Rate RL0028 82,103,478.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Open-end - Adjustable Rate RL0029 17,783,000.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Total RL0030 $96.1M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Total RL0031 $19.7M
All Other (Non-commercial) Real Estate - Open-End - Fixed Rate - Number of Loans Outstanding RL0038 12.00%
All Other (Non-commercial) Real Estate - Open-End - Fixed Rate - Amount of Loans Outstanding RL0039 8,014,798.00%
All Other (Non-commercial) Real Estate - Open-End - Fixed Rate - Amount of Loans Granted YTD RL0040 1,018,026.00%
All Other (Non-commercial) Real Estate - Open-End - Adjustable Rate - Number of Loans Outstanding RL0041 2.00%
All Other (Non-commercial) Real Estate - Open-End - Adjustable Rate - Amount of Loans Outstanding RL0042 1,996,600.00%
All Other (Non-commercial) Real Estate - Amount of Loans Outstanding - Total RL0044 $10.0M
All Other (Non-commercial) Real Estate - Amount of Loans Granted YTD - Total RL0045 $1.0M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Number of Loans Outstanding RL0046 $3K
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount of Loans Outstanding RL0047 $603.5M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount Granted YTD RL0048 $45.6M
Real Estate Loans reported in Account RL0047 that contractually refinance, reprice or mature within the next 5 years RL0050 $256.2M
Total Shares SH0013 $1.48B
Total Shares and Deposits SH0018 $1.51B
Total Non-Member Deposits SH0880 $33.2M
Number of Outstanding Loans Purchased from Other Financial Institutions SL0018 10
Amount of Outstanding Loans Purchased from Other Financial Institutions SL0019 $7.9M
Number of Loans Sold, Year-to-date SL0022 104
Amount of Loans Sold, Year-to-date SL0023 $25.5M
Number of First Mortgage loans sold on the secondary market, Year-to-date SL0024 60
Number of Real Estate Loans Sold with Servicing Retained, Year-to-date SL0028 46
Amount of Real Estate Loans Sold with Servicing Retained, Year-to-date SL0029 $10.7M
Number of Outstanding Real Estate Loans Sold with Servicing Retained SL0030 1,413
NCUA data file FS220S (6 items)

member services and products offered (29%), HMDA and entity identifiers (24%)

Kemba Credit Union, Inc., NCUA data file FS220S, Q2 2026
Line item Account Q2 2026
Does the CU use financial technology companies to provide member services? PP0037 $1
Person-to-Person payments PP0045 $1
Communication PP0047 $1
Located in Metropolitan Statistical Area (MSA) PR0001 $1
home purchase loan or refinanced a home purchase loan PR0002 $1
Originated closed-end mortgages in each of the two preceding calendar years or originated open-end lines of credit in each of the two preceding calendar years in excess of the HMDA Loan-Volume Threshold? PR0003 $1

Kemba Credit Union, Inc. call reports on file

  • Q2 2026 call report (quarter ended June 30, 2026)
  • Q1 2026 call report (quarter ended March 31, 2026)
  • Q4 2025 call report (quarter ended December 31, 2025)
  • Q3 2025 call report (quarter ended September 30, 2025)
  • Q2 2025 call report (quarter ended June 30, 2025)
  • Q1 2025 call report (quarter ended March 31, 2025)

Where can I find the Kemba Credit Union, Inc. call report?

The Kemba Credit Union, Inc. call report for the quarter ended June 30, 2026 is on this page, line by line in the order of the NCUA 5300. NCUA publishes every federally insured credit union's call report in its quarterly call report data and in its Research a Credit Union tool. Call reports are public: anyone can read them without an account.

What call report does Kemba Credit Union, Inc. file?

Kemba Credit Union, Inc. files the NCUA Form 5300, the call report every federally insured credit union files with the National Credit Union Administration. Its figures are in whole dollars, not thousands.

What is the Kemba Credit Union, Inc. call report number?

A call report has no number of its own. It is filed and looked up by the credit union's NCUA charter number, which for Kemba Credit Union, Inc. is 61810.

How often does Kemba Credit Union, Inc. file a call report?

Every quarter, as of March 31, June 30, September 30 and December 31.

Kemba Credit Union, Inc. financials and ratios →

New to the 5300? What the NCUA 5300 call report is.