BlastPoint's Credit Union Scorecard
CHEM FAMILY
Charter #61055 · AL
CHEM FAMILY has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Net Worth Ratio: Top 7.3% in tier
Key Concerns
Areas that may need attention
- - ROA 1.02% below tier average
- - Member decline: -2.2% YoY
- - Net Interest Margin (NIM): Bottom 2.7% in tier
- - Total Members: Bottom 3.7% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 52 that size in Alabama.
- Shares and deposits -5.9% year over year ($2.9M in shares and deposits).
- Membership: 176 members, -2.2% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 0.47%.
- Efficiency ratio 74.33% vs a 88.77% peer average.
- Loan-to-share ratio 41.74% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
176
-2.2% YoY0% QoQ
|
-2.4K |
2,585
-1.7% YoY
|
28,281
-1.7% YoY
|
34,678
+6.6% YoY
|
Bottom 3.7% in tier |
| Assets |
$4.1M
-4.7% YoY+1.1% QoQ
|
$-26.2M |
$30.3M
+1.5% YoY
|
$459.0M
+7.0% YoY
|
$593.1M
+10.2% YoY
|
16% |
| Loans |
$1.2M
-8.6% YoY-0.9% QoQ
|
$-14.2M |
$15.5M
-1.7% YoY
|
$266.3M
+5.7% YoY
|
$418.6M
+10.1% YoY
|
Bottom 12.8% in tier |
| Deposits |
$2.9M
-5.9% YoY+2.1% QoQ
|
$-22.9M |
$25.8M
+1.1% YoY
|
$400.1M
+6.1% YoY
|
$504.8M
+10.3% YoY
|
15% |
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| ROA |
0.5%
-64.1% YoY-84.0% QoQ
|
-1.0% |
1.5%
+241.5% YoY
|
1.1%
+39.6% YoY
|
1.2%
+121.4% YoY
|
30% |
| NIM |
1.8%
-40.5% YoY-55.6% QoQ
|
-2.1% |
3.9%
+0.9% YoY
|
3.7%
+1.1% YoY
|
3.8%
+2.3% YoY
|
Bottom 2.6% in tier |
| Efficiency Ratio |
74.3%
+30.0% YoY+161.0% QoQ
|
-14.4% |
88.8%
-6.9% YoY
|
82.1%
+5.7% YoY
|
83.0%
-5.3% YoY
|
35% |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+2.1% YoY
|
1.4%
-5.8% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
41.7%
-2.8% YoY-2.9% QoQ
|
-17.1% |
58.9%
-3.1% YoY
|
59.3%
-1.7% YoY
|
66.4%
-1.4% YoY
|
24% |
| AMR |
$23,404
-4.6% YoY+1.2% QoQ
|
+$8K |
$14,963
-6.8% YoY
|
$17,701
+4.0% YoY
|
$20,028
-0.9% YoY
|
Top 12.0% in tier |
| CD Concentration | 0.0% | -24.6% | 24.6% | 21.8% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 5.2% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)