Chelsea Employees Federal Credit Union

Credit UnionFCUChelsea, MA·Est. 1935·NCUA #851Compare ⇄▤ Account brief

Total assets

$21.2M

▲ +4.2% YoY

Shares & deposits

$18.9M

▲ +3.5% YoY

Loans

$14.7M

▲ +3.7% YoY

Members

2,248

▲ +5.7% YoY

ROA (annualized)

0.28%

peers 0.60%

ROE (annualized)

3.21%

peers 4.10%

Peer comparison 2,508 credit unions with <100M in assets

Metric	This credit union	Peer median	Δ
Asset growth (YoY)	+4.2%	+1.3%	+2.9 pts
Share growth (YoY)	+3.5%	+0.7%	+2.8 pts
Loan growth (YoY)	+3.7%	-2.4%	+6.1 pts
ROA	0.28%	0.60%	-0.3 pts
ROE	3.2%	4.1%	-0.9 pts

ROA ranks in the 34th percentile of its peer group · Q1 2026

Quarter	Assets	Shares	Loans	Net worth	Net income YTD	ROA	NIM	Delinquency	Members
Q1 2026	$21.2M	$18.9M	$14.7M	$1.8M	$15K	0.28%	4.26%	0.20%	2,248
Q4 2025	$20.5M	$18.3M	$14.8M	$1.8M	$134K	0.65%	4.32%	0.35%	2,154
Q3 2025	$20.8M	$18.6M	$15.1M	$1.8M	$109K	0.70%	4.21%	0.39%	2,151
Q2 2025	$20.8M	$18.4M	$14.8M	$1.7M	$83K	0.80%	4.10%	0.30%	2,140
Q1 2025	$20.3M	$18.3M	$14.2M	$1.7M	$34K	0.66%	4.02%	0.33%	2,126
Q4 2024	$19.8M	$17.9M	$13.8M	$1.7M	$176K	0.89%	4.16%	0.07%	2,119
Q3 2024	$19.8M	$18.1M	$13.7M	$1.6M	$123K	0.83%	4.14%	0.50%	2,120
Q2 2024	$20.2M	$18.6M	$13.5M	$1.6M	$78K	0.77%	4.03%	0.39%

Efficiency worsening·Efficiency ratio 93.8%, worse 3 quarters running — Cost pressure — automation pitches resonate, discretionary spend does not

Earlier quarters (2)

Profitability

Ratio	Value	Peer median	Peer percentile
Return on assets Annualized net income ÷ assets	0.28%	0.60%	34th
Return on equity Annualized net income ÷ equity or net worth	3.2%	4.1%	44th
Net interest margin Interest income − interest expense, ÷ assets	4.26%	3.83%

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Ratio	Value	Peer median
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand	00.0%	00.0%
Loans-to-assets How much of the balance sheet is lent out	00.0%	00.0%
Securities-to-assets Investment portfolio as a share of assets	00.0%	00.0%
Cash-to-assets On-balance-sheet liquidity	00.0%	00.0%

Ratio	Value	Peer median
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans	00.0%	00.0%
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans	00.0%	00.0%
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300%	00.0%	00.0%

Ratio	Value	Trend (8q)	Peer median	Peer percentile
Loans per member Member borrowing depth	00.0%		00.0%
Deposits per member Member relationship depth	00.0%		00.0%