Credit union · NCUA insured
Kemba Roanoke FCU
A $77.2M credit union headquartered in Salem, VA, with 4,717 members and 2 branches in Virginia. Best rates: CDs 1.10% and savings 0.10% APY.
Kemba Roanoke FCU Carrot Score
82
Carrot Score
Higher than 61% of U.S. banks and credit unions
#7 of 19 in Roanoke, VA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Kemba Roanoke FCU
Kemba Roanoke Federal Credit Union is a credit union headquartered in Salem, Virginia, serving families since 1935.
- Headquarters
- 2812 W Main St, Salem, VA 24153
- NCUA charter
- 107
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live in the state of Virginia can join KEMBA through the Virginia Consumer Council at no cost.
Employers and groups
- Individuals who are currently employed, retired, members, or volunteers at one of the listed Select Employee Groups are eligible for membership.
Family and household
- Individuals related to or living in the same household as an existing member, or related to an employee, retired employee, or volunteer of a Select Employee Group, are eligible for membership.
Branches
2 branches in Virginia
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Virginia
2 branches
Roanoke area · 1
- Kemba Roanoke MainMain office2812 W Main St, Salem, VA 24153Directions
Lynchburg area · 1
- Kemba Roanoke Lynchburg6001 Ft Ave, Lynchburg, VA 24502Directions
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 | 16.37% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.74% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.61% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $36 | $59 | — |
- CapitalNet worth ratio16.37%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.74%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.61%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$36Peers’ 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 Roanoke FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.