Sep, 30, 2025 — KEMBA DELTA FEDERAL CREDIT UNION is a federal credit union headquartered in BARTLETT, TN with 1 branch location and about $30.46 million in total assets. Opened 92 years ago in 1934, KEMBA DELTA FEDERAL CREDIT UNION has about 4,998 members and employs 6 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | KEMBA DELTA FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 3108 N Germantown Rd BARTLETT, TN 38133 |
| Phone: | (901) 795-9055 |
| Fax: | (901) 795-9063 |
| Website: | https://www.kembadelta.org |
| Branches: | 1 branch locations |
| Members: | 4,998 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 24220 |
|---|---|
| Membership Type: | Multiple common bond - Primarily finance, insurance, real estate, trade |
| Corporate Credit Union: | No |
| Year Opened: | 1934 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $30,464,434 |
| CEO/Manager: | Carter Ridgway |
| Chairperson: | Robert Peggs |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 4,188,476 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 0 |
| Unsecured Loans | 1,341,141 |
| Other Loans | 8,253,075 |
| TOTAL LOANS | 9,594,216 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -249,282 |
| Land And Building | 0 |
| Other Fixed Assets | 283,058 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 199,556 |
| All Other Assets | 0 |
| TOTAL ASSETS | 30,464,434 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 44,710 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 547,295 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 3,768,784 |
| Regular shares | 13,899,573 |
| All Other Shares & Deposits | 3,492,610 |
| TOTAL SHARES & DEPOSITS | 21,160,967 |
| TOTAL LIABILITIES | 21,752,972 |
| Regular Reserve | 0 |
| Other Reserves | 364,590 |
| Undivided Earnings | 8,346,872 |
| TOTAL EQUITY | 8,711,462 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 30,464,434 |
| INCOME & EXPENSE | |
| Loan Income | 705,256 |
| Investment Income | 561,321 |
| Other Income | 287,358 |
| Total Employee Compensation & Benefits | 527,616 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 569,896 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 90,000 |
| Cost of Funds | 106,172 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 460,728 |
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