| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.7% | +1.3% | -6.0 pts |
| Share growth (YoY) | -5.9% | +0.9% | -6.8 pts |
| Loan growth (YoY) | -8.6% | -2.6% | -6.0 pts |
| ROA | 0.47% | 0.65% | -0.2 pts |
| ROE | 1.7% | 4.4% | -2.7 pts |
ROA ranks in the 40th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $4.1M | $2.9M | $1.2M | $1.1M | $10K | 0.47% | 1.80% | 0.00% | 176 |
| Q1 2026 | $4.0M | $2.8M | $1.2M | $1.2M | $30K | 2.96% | 4.09% | 0.00% | 176 |
| Q4 2025 | $4.0M | $2.9M | $1.3M | $1.1M | $-427 | -0.01% | 2.45% | 0.00% | 177 |
| Q3 2025 | $4.1M | $2.9M | $1.3M | $1.2M | $61K | 2.00% | 3.63% | 0.00% | 179 |
| Q2 2025 | $4.3M | $3.1M | $1.3M | $1.2M | $28K | 1.33% | 3.09% | 0.00% | 180 |
| Q1 2025 | $4.4M | $3.2M | $1.4M | $1.2M | $27K | 2.46% | 4.24% | 0.00% | 188 |
| Q4 2024 | $4.4M | $3.3M | $1.4M | $1.1M | $3K | 0.06% | 1.90% | 0.00% | 198 |
| Q3 2024 | $4.9M | $3.4M | $1.4M | $1.2M | $38K | 1.05% | 2.26% | 0.00% | 204 |
| Ratio | Chem Family Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.47% | 0.65% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 1.7% | 4.4% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.80% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $5.5M | $4.2M | $1.4M | $1.1M | $7K | 0.25% | 1.41% | 0.00% | 215 |
Loan mix (Q2 2026): real estate $910K · commercial $0 · consumer $238K · securities $2.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.3% | 80.6% | 35th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Chem Family Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
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 | Chem Family Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Chem Family Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Chem Family Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
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 | Chem Family Credit Union | 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% |
The full ratio pack is part of CharterBench Pro.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Calhoun, AL, ranked 19th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Calhoun, AL | 1 | $2.9M* | 0.09% | 19th |
Alabama: 241st with 0.00% · Anniston-Oxford metro: 19th, 0.09% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1