Credit unions · Ohio · Q2 2026
KEMBA CU AI Score
Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.
| Total assets | $1.74B |
| Total loans & leases | $1.43B |
| Total shares & deposits | $1.51B |
| Members | 130,900 |
| Net worth | $203M |
| Net worth / assets | 11.68% |
| Loans / assets | 81.92% |
| Return on assets (annualized) | 0.56% |
| Loan growth (YoY) | 5.05% |
| Member growth (YoY) | 1.61% |
| Delinquency, all loans (60+ days) | 0.85% |
| Charter | State charter (federally insured) |
| Asset band | $1B–$5B |
| NCUA peer group | over $500M |
| Sponsor type | Service (finance, health, transport, utilities) (inferred from the name) |
AI readiness
AI Score: 4 of 5 stars, AI embedded in workflows
A vendor case study naming Kemba Credit Union (Cincinnati-area, kemba.com) describes the credit union using Upstart's model-based underwriting, which uses data beyond traditional credit reports, to make personal loan decisions within its own risk controls. No public evidence was found of staff AI copilots, a member-facing AI assistant, or AI agents taking actions.
- Kemba Credit Union “we’re confident in Upstart’s underwriting methods. We still have controls dictating risk like maximum APR, but Upstart’s model is valuable”