Credit Union Safety Analysis
Is Kemba Financial Credit Union, Inc. Safe? Gahanna, Ohio
Based on its Q2 2026 NCUA 5300 call report, Kemba Financial Credit Union, Inc. has a net worth ratio of 12.57%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.58%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Kemba Financial Credit Union, Inc.'s net worth ratio is 12.57%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 12.57%
- Delinquency ratio (60+ days) (Q2 2026): 0.58%
- Return on assets (Q2 2026): 0.88%
- Loan-to-share ratio (Q2 2026): 92.41%
Kemba Financial Credit Union, Inc. (NCUA charter 61623, established 1933) reported $2.47B in assets and 142,677 members for Q2 2026 from Gahanna, Ohio. It ranks 3 of 191 credit unions in Ohio by total assets. Total assets grew 4.7% from $2.36B on June 30, 2025. It has 6,026 more members than on June 30, 2025 (+4.4%). Its net worth ratio was up 0.39 percentage points from 12.18% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $627.9M of $1.90B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.58% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 12.64% for Q1 2026; 12.18% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.61% for Q1 2026; 0.52% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.99% for Q1 2026; 1.02% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 90.75% for Q1 2026; 90.47% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $627.9M
- Used vehicle loans: $550.0M
- Commercial loans: $262.5M
- New vehicle loans: $197.5M
- Unsecured credit card loans: $142.5M
- Other unsecured loans and lines of credit: $87.4M
- Non-federally guaranteed student loans: $27.7M
- Other secured non-real estate loans and lines of credit: $5.8M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $2.47B | 12.57% | 0.58% | 0.88% | 92.41% |
| March 31, 2026 | $2.42B | 12.64% | 0.61% | 0.99% | 90.75% |
| December 31, 2025 | $2.43B | 12.35% | 0.61% | 1.21% | 90.80% |
| September 30, 2025 | $2.36B | 12.45% | 0.63% | 1.02% | 92.98% |
| June 30, 2025 | $2.36B | 12.18% | 0.52% | 1.02% | 90.47% |
| March 31, 2025 | $2.34B | 12.06% | 0.39% | 0.76% | 89.11% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Kemba Financial Credit Union, Inc. profile
Regulator records: NCUA credit union profile (charter 61623) · FFIEC NIC profile (RSSD 31291)
Frequently asked questions
Is Kemba Financial Credit Union, Inc. well capitalized?
On its Q2 2026 NCUA 5300 call report, Kemba Financial Credit Union, Inc.'s net worth ratio is 12.57%, above the 7% NCUA threshold for well capitalized.
Is Kemba Financial Credit Union, Inc. FDIC insured?
No. The FDIC insures banks, not credit unions. Kemba Financial Credit Union, Inc. is a federally insured credit union (NCUA charter 61623): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Kemba Financial Credit Union, Inc.'s key safety ratios?
For Q2 2026, Kemba Financial Credit Union, Inc. reports net worth 12.57%, delinquency 0.58%, ROA 0.88%, loan-to-share 92.41%.
What happens to my money if Kemba Financial Credit Union, Inc. fails?
For Q2 2026, Kemba Financial Credit Union, Inc. held $2.06B in shares and deposits for 142,677 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.