CHEM FAMILY
Charter #61055 | AL
<100M
(2596 CUs)
Micro
($0-$500M)
54 <100M in AL
CHEM FAMILY has 7 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.27% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 4.0% in tier
- + Net Worth Ratio: Top 6.5% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Member decline: -12.3% YoY
- - Asset Growth Rate: Bottom 1.7% in tier
- - Deposit Growth Rate: Bottom 2.5% in tier
- - Total Members: Bottom 3.9% in tier
- - Member Growth Rate: Bottom 4.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
179
-12.3% YoY-0.6% QoQ
|
-2.4K |
2,625
-2.2% YoY
|
29,240
-2.8% YoY
|
33,089
+6.1% YoY
|
Bottom 3.8% in tier |
| Assets |
$4.1M
-16.2% YoY-4.3% QoQ
|
$-25.8M |
$29.9M
+1.1% YoY
|
$436.7M
+7.4% YoY
|
$547.7M
+7.8% YoY
|
Bottom 16.6% in tier |
| Loans |
$1.3M
-12.8% YoY-5.7% QoQ
|
$-14.5M |
$15.8M
-2.4% YoY
|
$258.0M
+6.8% YoY
|
$388.7M
+8.6% YoY
|
Bottom 13.1% in tier |
| Deposits |
$2.9M
-15.9% YoY-7.1% QoQ
|
$-22.6M |
$25.5M
+0.4% YoY
|
$382.5M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
Bottom 15.3% in tier |
| ROA |
2.0%
+98.1% YoY+48.3% QoQ
|
+1.3% |
0.7%
-731.4% YoY
|
0.8%
+31.6% YoY
|
0.7%
+273.4% YoY
|
Top 9.8% in tier |
| NIM |
3.5%
+66.7% YoY+16.4% QoQ
|
-0.4% |
3.9%
+3.8% YoY
|
3.7%
+6.4% YoY
|
3.7%
+5.0% YoY
|
36th in tier |
| Efficiency Ratio |
45.4%
-16.9% YoY-20.6% QoQ
|
-36.0% |
81.4%
-2.4% YoY
|
76.4%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 4.0% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
1.7%
+18.9% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
43.6%
+3.7% YoY+1.6% QoQ
|
-17.6% |
61.2%
-3.0% YoY
|
60.8%
-1.6% YoY
|
68.0%
-1.7% YoY
|
Bottom 23.2% in tier |
| AMR |
$23,022
-3.1% YoY-6.2% QoQ
|
+$8K |
$14,627
-2.7% YoY
|
$17,062
+2.3% YoY
|
$19,418
+1.3% YoY
|
Top 11.9% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
20.8%
+2.9% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
5.4%
-6.7% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (8 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: 1.51%
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
104
Efficiency Ratio
profitability
Value:
45.38%
Peer Avg: 81.39%
#104 of 2596
Top 4.0% in <100M tier
171
Net Worth Ratio
risk
Value:
29.32%
Peer Avg: 16.43%
#171 of 2596
Top 6.5% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
254
Return on Assets (ROA)
profitability
Value:
1.95%
Peer Avg: 0.68%
#254 of 2596
Top 9.7% in <100M tier
308
Average Member Relationship (AMR)
engagement
Value:
$23,022
Peer Avg: $14,627
#308 of 2596
Top 11.8% in <100M tier
Top Weaknesses (13 metrics)
2554
Asset Growth Rate
growth
Value:
-16.20%
Peer Avg: 1.82%
#2554 of 2596
Bottom 1.7% in <100M tier
2531
Deposit Growth Rate
growth
Value:
-15.88%
Peer Avg: 16.80%
#2531 of 2596
Bottom 2.5% in <100M tier
2497
Total Members
engagement
Value:
179
Peer Avg: 2,626
#2497 of 2596
Bottom 3.9% in <100M tier
2487
Member Growth Rate
growth
Value:
-12.25%
Peer Avg: 14.92%
#2487 of 2596
Bottom 4.2% in <100M tier
2304
First Mortgage Concentration (%)
balance_sheet
Value:
42.90%
Peer Avg: 14.49%
#2304 of 2596
Bottom 11.3% in <100M tier
2266
Members Per Employee (MPE)
engagement
Value:
179.000
Peer Avg: 365.701
#2266 of 2596
Bottom 12.8% in <100M tier
2255
Total Loans
balance_sheet
Value:
$1.25M
Peer Avg: $15.77M
#2255 of 2596
Bottom 13.2% in <100M tier
2212
Loan Growth Rate
growth
Value:
-12.80%
Peer Avg: 59.01%
#2212 of 2596
Bottom 14.8% in <100M tier
2198
Total Deposits
balance_sheet
Value:
$2.87M
Peer Avg: $25.45M
#2198 of 2596
Bottom 15.4% in <100M tier
2183
Fee Income Per Member
profitability
Value:
$6.38
Peer Avg: $182.96
#2183 of 2596
Bottom 15.9% in <100M tier