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Overview / Commentary
1830 Roxalana Rd
Dunbar, WV 25064-2705

Kemba Charleston Credit Union is headquartered in Dunbar and is the 20th largest credit union in the state of West Virginia. It is also the 2,579th largest credit union in the nation. It was established in 1935 and as of March of 2014, it had grown to 11 employees and 4,602 members. Kemba Charleston Credit Union's savings rates are 73% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Must be an employee of Kroger Co. or other select employee groups. Also open to those who live, work, worship or attend school in the towns of Dunbar, Institute or Nitro. - See Details

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Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Kemba Charleston Credit Union has a low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Kemba Charleston Credit Union had $140,000 in non-current loans and owned real-estate with $8.05 million in equity and loan loss allowances on hand to cover it. This gives Kemba Charleston Credit Union a Texas Ratio of 1.74% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Kemba Charleston Credit Union decreased dramatically from 4.97% as of March 31, 2013 to 1.74% as of March 31, 2014, resulting in a positive change of 65.03%.This indicates that the balance sheet and financial strength for Kemba Charleston Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, Kemba Charleston Credit Union has increased its total deposits by $761,000, resulting in 2.46% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Kemba Charleston Credit Union has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Kemba Charleston Credit Union has $40.35 million in assets with $8.05 million in equity, resulting in a capitalization level of 19.95%, which is excellent.

Institution Statistics

NCUA #108
Year Chartered1935
Primary Regulator
Assets and Liabilities
Assets$40.35 million
Loans$17.50 million
Deposits$31.72 million
Equity Capital$7.98 million
Loan Loss Allowance$71,000
Unbacked Noncurrent Loans$140,000
Real Estate Owned$0
Historic Data - March 2013
Assets$39.27 million
Equity Capital$7.88 million
Loan Loss Allowance$127,000
Unbacked Noncurrent Loans$140,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.34%
Return on Assets0.28%
Return on Equity1.4%
Interest Income$354,000
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Kemba Charleston Credit Union Savings Account Rates

0.90%--Traditional IRA Share Account
0.90%--Roth IRA Share Account
0.75%--Christmas Cub Account
0.60%$75k-Premium Share Account
0.15%--Primary Share Account
0.15%--Secondary Cub Account

Kemba Charleston Credit Union CD Rates

0.95%$100k-2 Year Share Certificate
0.94%$100k-3 Year Share Certificate
0.94%$100k-4 Year Share Certificate
0.94%$100k-5 Year Share Certificate
0.60%$100k-1 Year Share Certificate
0.40%$100k-6 Month Share Certificate

Kemba Charleston Credit Union IRA Rates

0.95%$100k-2 Year IRA Certificate
0.94%$100k-3 Year IRA Certificate
0.94%$100k-4 Year IRA Certificate
0.94%$100k-5 Year IRA Certificate
0.60%$100k-1 Year IRA Certificate
0.40%$100k-6 Month IRA Certificate

Kemba Charleston Credit Union Locations
Branch Office1830 Roxalana RdDunbar, WV 25064-2705