KEMBA Credit Union, Inc.
Major Rating Factors:
Excellent current capitalization (9.7 on a scale of 0 to 10) based on a net capital to total assets of 11.3 and a net worth ratio of 11.3. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.0 on a scale of 0 to 10).
Other Rating Factors:
A current level of 7.1 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.0). Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.5 has resulted in Fair (3.8) profitability.
Asset Mix:
Consumer loans (32%), home mtgs (29%), comm loans (12%), other (28%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
8763 Union Centre Blvd.
West Chester, OH 45069
West Chester, OH 45069
Phone Number
NCUA Charter Number
Website
Largest Competitors
Beavercreek, OH
Cincinnati, OH
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