Kemba Credit Union, Inc.
Major Rating Factors:
Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.4 has resulted in Weak (1.8) profitability. A current level of 6.1 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.7).
Other Rating Factors:
Excellent current capitalization (9.5 on a scale of 0 to 10) based on a net capital to total assets of 11.2 and a net worth ratio of 0.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.7 on a scale of 0 to 10).
Asset Mix:
Consumer loans (30%), home mtgs (29%), other (41%)
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
5600 Chappell Crossing Blvd.
West Chester, OH 45069
West Chester, OH 45069
Phone Number
(513) 762-5070
NCUA Charter Number
Website
Largest Competitors
Beavercreek, OH
Cincinnati, OH
Gahanna, OH
Warren, OH
Lima, OH