Chessie Federal Credit Union
Total assets
$433.2M
▲ +3.1% YoY
Shares & deposits
$372.8M
▲ +1.7% YoY
Loans
$222.3M
▼ -9.5% YoY
Members
33,968
▲ +1.8% YoY
ROA (annualized)
1.27%
peers 0.69%
ROE (annualized)
9.39%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.1% | +3.9% | -0.8 pts |
| Share growth (YoY) | +1.7% | +3.3% | -1.6 pts |
| Loan growth (YoY) | -9.5% | +2.9% | -12.4 pts |
| ROA | 1.27% | 0.69% | +0.6 pts |
| ROE | 9.4% | 5.9% | +3.4 pts |
ROA ranks in the 82nd percentile of its peer group · Q1 2026
Profile
- Established
- 1948
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- Po Box 689, Cumberland, MD, 21502
- NCUA charter #
- 5636
- RSSD ID
- 625775
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $433.2M | $372.8M | $222.3M | $58.8M | $1.4M | 1.27% | 3.92% | 0.78% | 33,968 |
| Q4 2025 | $416.0M | $356.8M | $228.9M | $57.4M | $6.1M | 1.47% | 4.28% | 0.68% | 33,435 |
| Q3 2025 | $421.5M | $363.0M | $232.8M | $55.7M | $4.6M | 1.45% | 4.26% | 1.39% | 34,035 |
| Q2 2025 | $421.8M | $366.0M | $238.5M | $54.8M | $3.4M | 1.59% | 4.24% | 0.76% | 33,432 |
| Q1 2025 | $420.2M | $366.5M | $245.6M | $53.0M | $1.6M | 1.50% | 4.20% | 0.61% | 33,367 |
| Q4 2024 | $406.3M | $354.4M | $254.5M | $51.4M | $5.3M | 1.30% | 4.37% | 0.94% | 33,295 |
| Q3 2024 | $406.8M | $354.8M | $260.0M | $50.6M | $4.2M | 1.39% | 4.36% | 1.01% | 34,121 |
| Q2 2024 | $416.8M | $364.8M | $265.6M | $49.6M | $3.3M | 1.57% | 4.21% | 1.43% | 34,330 |
Loan mix (Q1 2026): real estate $121.4M · commercial $20.9M · consumer $75.8M · securities $83.4M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.27% | 0.69% | 82th | |
Return on equity Annualized net income ÷ equity or net worth | 9.4% | 5.9% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.92% | 3.62% | 70th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.7% | 78.7% | 30th | |
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% |
Balance sheet
| Ratio | Value | 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% |
Capital
| Ratio | Value | 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% |
Credit quality
| Ratio | Value | 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% |
Franchise
| 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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