Credit union · NCUA insured
KEMBA Louisville Credit Union
A $60.2M credit union headquartered in Louisville, KY, with 4,009 members and 2 branches in 2 states. Best rates: CDs 3.82% and savings 0.25% APY.
KEMBA Louisville Credit Union Carrot Score
81
Carrot Score
Higher than 57% of U.S. banks and credit unions
#22 of 43 in Louisville/Jefferson County, KY-IN metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About KEMBA Louisville Credit Union
Chartered by the Commonwealth of Kentucky in 1934, KEMBA Louisville Credit Union was formed to serve employees, family members, and retirees of The Kroger Company's Louisville Marketing Area.
Headquartered in Louisville, Kentucky, the credit union moved into its current Poplar Level Road facility in 1993.
- Headquarters
- 4017 Poplar Level Rd, Louisville, KY 40213-1523
- NCUA charter
- 62358
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Family and household
- Family members of Kroger Plus Card Cardholders in the Kroger Louisville Marketing Division are eligible for membership.
Other ways
- Kroger Plus Card Cardholders in the Kroger Louisville Marketing Division are eligible for membership.
Branches
2 branches in 2 states
Loading map…
Kentucky
1 branch
- Main officeMain office4017 Poplar Level Rd, Louisville, KY 40213Directions
Tennessee
1 branch
- CU Services, Inc.1317 Hickory Valley Rd, Chattanooga, TN 37421Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 20.80% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 2.72% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.60% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $26 | $59 | — |
- CapitalNet worth ratio20.80%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late2.72%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.60%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$26Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of KEMBA Louisville Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.