Credit union
Kemba Credit Union
West Chester, Ohio, Butler County, OH
$1.7B in total assets and 130,948 members, the 291st largest of 4,298 US credit unions and 6th of 157 headquartered in Ohio.
- NCUA charter
- 61810
- Charter
- State chartered (OH)
- Chartered
- 1934
- NCUA insured since
- 1974
- Website
- http://www.kemba.com
At a glance
Compared with 445 US federally insured credit unions with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This credit union | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $1.7B | 41% | $2.1B | |
| Loans | $1.4B | 48% | $1.5B | |
| Deposits (shares) | $1.5B | 41% | $1.8B | |
| Members | 130,948 | 57% | 117,912 | |
| Return on assets | 0.56% | 27% | 0.82% | |
| Net interest income to assets | 2.91% | 19% | 3.42% | |
| Efficiency ratio | 77.7% | 74% | 71.7% | |
| Net worth ratio | 11.68% | 64% | 10.86% | |
| Loans to shares | 94% | 71% | 88% | |
| Cost of deposits | 2.50% | 91% | 1.78% |
Ratios are annualized from year-to-date figures. Return on assets uses average assets, as NCUA does. Cost of deposits includes dividends on shares.
Growth
Total assets grew 8.6% a year over 10 years and 6.0% a year over the last 5, including 5 mergers in the last 10 years. Membership grew 2.6% a year over 5 years, to 130,948.
Dashed lines mark larger mergers, listed below.
Mergers and acquisitions
| Closed | Absorbed | Assets at last filing |
|---|---|---|
| Sep 2025 | Whitewater Regional Federal Credit Union Credit union, Connersville, IN | $9M |
| Apr 2024 | Wufface Federal Credit Union Credit union, Richmond, IN | $6M |
| Apr 2023 | Richmond City Employees Federal Credit Union Credit union, Richmond, IN | $6M |
| Nov 2021 | New Horizons Credit Union Credit union, Cincinnati, OH | $42M |
| Oct 2018 | Carmel Brotherhood Federal Credit Union Credit union, Cincinnati, OH | $111K |
| Oct 2014 | Midwest Associates Federal Credit Union Credit union, Mason, OH | $5M |
| Dec 2011 | Hamilton County School Employees Credit Union Credit union, Cincinnati, OH | $24M |
Where they operate
15 branches in 8 counties.
1 of 15 branch locations are approximate (ZIP code centers).
Largest counties by branches
| County | Branches | Share of all branches | Rank |
|---|---|---|---|
| Hamilton County, OH | 7 | 2.5% | 11 of 54 |
| Butler County, OH | 2 | 1.9% | 15 of 33 |
| Fayette County, IN | 1 | 9.1% | 2 of 10 |
| Wayne County, IN | 1 | 3.3% | 10 of 12 |
| Wells County, IN | 1 | 9.1% | 2 of 10 |
| Boone County, KY | 1 | 2.0% | 10 of 24 |
| Clermont County, OH | 1 | 1.9% | 12 of 26 |
| Warren County, OH | 1 | 1.2% | 16 of 29 |
Credit unions do not report deposits by branch, so these are branch counts: this credit union's branches against every bank and credit union branch in the county. Rank is among all banks and credit unions with a branch there.
Branches by year
| Year end | Branches | Change |
|---|---|---|
| 2016 | 12 | |
| 2017 | 12 | 0 |
| 2018 | 12 | 0 |
| 2019 | 12 | 0 |
| 2020 | 12 | 0 |
| 2021 | 13 | +1 |
| 2022 | 13 | 0 |
| 2023 | 14 | +1 |
| 2024 | 14 | 0 |
| 2025 | 15 | +1 |
| Jun 2026 | 15 | 0 |
Member-serving offices as listed in NCUA call reports. Changes include branches gained in mergers.
Earnings and credit
Return on assets
Year to date, annualized, with the peer median.
Credit and capital
| This credit union | Peer median | |
|---|---|---|
| Delinquent loans, 60+ days | 0.85% | 0.69% |
| Net worth ratio | 11.68% | 10.86% |
| Loans to shares | 94% | 88% |
Delinquent loans are two or more months past due. Net worth is NCUA's capital measure for credit unions.
Related
Credit unions of similar size in Ohio
Most branches in Hamilton County, OH
Figures as of June 30, 2026 from the credit union's NCUA call report (Form 5300), NCUA's credit union locator and FFIEC merger records.