KEMBA
State-Chartered • West Chester, Ohio • Est. 1934
Quick Facts
- Charter Number
- #61810
- Type
- State-Chartered
- Established
- 1934
- Headquarters
- West Chester, Ohio 45069
- Address
- 5600 Chappell Crossing Blvd
- Branches
- 15
- ATMs
- 10
- Members
- 130,656
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
130,656 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | KEMBA |
|---|---|
| Total Assets | $1.7B |
| Members | 130,656 |
| Loans Outstanding | $1.4B |
| Shares & Deposits | $1.5B |
| Net Worth | $198.3M |
| Net Worth Ratio | 11.33% |
| Loan-to-Share Ratio | 94.5% |
| Delinquency Rate | 0.81% |
| Net Income | +$16,546,682 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
15 locations · 10 ATMs
Union Centre
8763 Union Centre Blvd
West Chester, OH 45069
Springdale
211 Northland Blvd
Cincinnati, OH 45246
Amelia
1135 W Ohio Pike
Amelia, OH 45102-1240
Bridgetown
5844 Bridgetown Rd
Cincinnati, OH 45248-3106
Harrison
10396 Harrison Ave
Harrison, OH 45030-1940
Who Can Join KEMBA?
Membership Type: Community
Membership eligibility for KEMBA may vary. Contact the credit union directly to confirm qualification requirements.
Contact KEMBA directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Ohio RankingsFrequently Asked Questions
Yes. KEMBA is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, KEMBA has 130,656 members and a potential membership field of 3,374,170 people.
KEMBA's net worth ratio is 11.33% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 11.3%, KEMBA meets this threshold.
KEMBA operates 15 branch locations and has access to 10 ATMs. The main office is located at 5600 Chappell Crossing Blvd, West Chester, OH 45069.
KEMBA was established in 1934. It is a state-chartered credit union chartered under charter number 61810. The institution has been serving members for 92 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or KEMBA. All financial data is for informational purposes only.