Home
Contents
Explore
Search

Kemba Credit Union

Overview
Back to Top

Kemba Credit Union is a federally insured state credit union based in West Chester, Ohio. It has been opened since 1934, for 86 years.

With around $954,580,000 in assets, Kemba Credit Union is considered to be a very large credit union. It has 12 branches and 7 ATM locations.

About
Address 8763 Union Centre Boulevard
West Chester, Ohio 45069
Website http://www.kemba.com
Phone (513) 762-5070
CEO Daniel L. Sutton
President of the Board Thomas Thole
Services Offered
Map
Back to Top
Score Card
Back to Top
86 years
Years in business
Opened in 1934
Well Capitalized
Net worth classification
Source: NCUA
99,137 members
Membership type: State chartered natural person credit union
Above average number of members
510:1
Credit union member to staff ratio
510 per each FTE employee
Compared to 411:1 nationally
Less staff than other credit unions
$954,579,121
Total assets
Above average
12 branches
Compared with an average of 4 nationally and 3 in Ohio
Above average number of branches
0.05%
Savings interest rate
Compared to 0.3% nationally
10.24%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches
Back to Top
12 branches
Compared with an average of 4 nationally and 3 in Ohio
Above average number of branches
Kemba Credit Union Branch Locations

Kemba Credit Union: Springdale
211 Northland Boulevard
Cincinnati, Ohio 45246
ATM Available
Kemba Credit Union: Mason - Midwest Associates
4361 Irwin Simpson Road
Mason, Ohio 45040
No ATM
Kemba Credit Union: Florence
5935 Merchants Street
Florence, Kentucky 41042
No ATM
Kemba Credit Union: Peyton
1111 S. Adams Street
Bluffton, Indiana 46714
No ATM
Kemba Credit Union: Kroger Building
1014 Vine Street
Cincinnati, Ohio 45202
ATM Available
Kemba Credit Union: Harrison
10396 Harrison Avenue
Harrison, Ohio 45030
ATM Available
Kemba Credit Union: Bridgetown
5844 Bridgetown Road
Cincinnati, Ohio 45248
ATM Available
Kemba Credit Union: Amelia
1135 W. Ohio Pike
Amelia, Ohio 45102
ATM Available
Kemba Credit Union: Queensgate
1045 W. 8th Street
Cincinnati, Ohio 45203
No ATM
Kemba Credit Union: Corporate Headquarters
8763 Union Centre Boulevard
West Chester, Ohio 45069
ATM Available
Kemba Credit Union: College Hill
6230 Hamilton Avenue
Cincinnati, Ohio 45224
No ATM
Kemba Credit Union: Blue Ash
11450 Grooms Road
Blue Ash, Ohio 45242
ATM Available
Members
Back to Top
99,137 members
Membership type: State chartered natural person credit union
Above average number of members

With 99,137 members, the Kemba Credit Union is considered to be a very large credit union. It is among the largest of credit unions and is larger than 96% of credit unions.

Fees
Back to Top
$59
Average fee per member
The average fee per member at the Kemba Credit Union is $59, which is comparable to most credit unions. This rate is lower than 41% of all credit unions.
Fees are average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Kemba Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff
Back to Top
510:1
Credit union member to staff ratio
510 per each FTE employee
Compared to 411:1 nationally
Less staff than other credit unions
194 staff members
FTE (full-time equivalent)
6% of employees are part-time
188 full-time, 13 part-time

Kemba Credit Union has 188 full-time staff members and 13 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 94% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Kemba Credit Union has around 510 members per staff, a high ratio compared to other credit unions.

Assets
Back to Top
$954,579,121
Total assets
Above average
Net worth
Back to Top
Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
12.2%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases
Back to Top
$11,812
Average loan and lease size
Loan & lease sizes are bigger than average. They are bigger than at 63% of credit unions.

Kemba Credit Union holds a total of $817,230,000 in loans and leases, which is about $11,812 per member on average.

Savings interest rate
Back to Top
0.05%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Kemba Credit Union pays 0.05%.

Loan rates
Back to Top
10.24%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
9.50%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
6.14%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates
Back to Top
4.84%
New car loan rate
Compared to 4.0% nationally
4.84%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates
Back to Top
5.50%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
4.25%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally