BlastPoint's Credit Union Scorecard
CHEM FAMILY
Charter #61055 · AL
2556 CUs in <100M nationally
55 in AL
CHEM FAMILY has 5 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + 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
- + Net Worth Ratio: Top 7.4% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.63% below tier average
- - Efficiency ratio 17.87% above tier (higher cost structure)
- - Member decline: -10.6% YoY
- - Total Members: Bottom 3.9% in tier
- - Deposit Growth Rate: Bottom 4.0% in tier
- - Member Growth Rate: Bottom 5.0% in tier
- - Asset Growth Rate: Bottom 5.3% in tier
- - Net Interest Margin (NIM): Bottom 7.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
177
-10.6% YoY-1.1% QoQ
|
-2.4K |
2,615
-1.9% YoY
|
27,849
-7.3% YoY
|
33,374
+5.7% YoY
|
Bottom 3.8% in tier |
| Assets |
$4.0M
-9.5% YoY-1.8% QoQ
|
$-26.1M |
$30.1M
+2.1% YoY
|
$442.6M
+8.5% YoY
|
$561.6M
+9.7% YoY
|
16% |
| Loans |
$1.3M
-12.9% YoY-0.0% QoQ
|
$-14.5M |
$15.8M
-1.3% YoY
|
$260.4M
+7.2% YoY
|
$397.0M
+8.8% YoY
|
Bottom 12.9% in tier |
| Deposits |
$2.9M
-12.8% YoY-0.2% QoQ
|
$-22.8M |
$25.7M
+1.4% YoY
|
$387.0M
+6.9% YoY
|
$477.3M
+9.7% YoY
|
15% |
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| ROA |
-0.0%
-119.4% YoY-100.5% QoQ
|
-0.6% |
0.6%
+10.8% YoY
|
0.7%
+32.7% YoY
|
0.7%
+15.9% YoY
|
16% |
| NIM |
2.4%
+34.7% YoY-31.4% QoQ
|
-1.5% |
4.0%
+4.0% YoY
|
3.7%
+4.6% YoY
|
3.8%
+5.1% YoY
|
Bottom 7.0% in tier |
| Efficiency Ratio |
100.4%
+3.5% YoY+121.3% QoQ
|
+17.9% |
82.6%
-2.3% YoY
|
78.3%
-5.6% YoY
|
79.7%
-3.3% YoY
|
Top 10.8% in tier |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
1.7%
+25.2% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
43.7%
-0.1% YoY+0.2% QoQ
|
-16.9% |
60.6%
-3.1% YoY
|
60.7%
-1.8% YoY
|
67.4%
-1.7% YoY
|
24% |
| AMR |
$23,252
-2.5% YoY+1.0% QoQ
|
+$8K |
$14,783
-1.4% YoY
|
$17,441
+4.4% YoY
|
$19,687
+2.0% YoY
|
Top 11.4% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.2% | 7.8% | 50% |
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 (6 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
190
Net Worth Ratio
risk
Value:
28.31%
Peer Median: -
#190 of 2556
Top 7.4% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
291
Average Member Relationship (AMR)
engagement
Value:
$23,252
Peer Median: -
#291 of 2556
Top 11.3% in <100M tier
Top Weaknesses (15 metrics)
2458
Total Members
engagement
Value:
177
Peer Median: -
#2458 of 2556
Bottom 3.9% in <100M tier
2456
Deposit Growth Rate
growth
Value:
-12.82%
Peer Median: -
#2456 of 2556
Bottom 4.0% in <100M tier
2429
Member Growth Rate
growth
Value:
-10.61%
Peer Median: -
#2429 of 2556
Bottom 5.0% in <100M tier
2422
Asset Growth Rate
growth
Value:
-9.49%
Peer Median: -
#2422 of 2556
Bottom 5.3% in <100M tier
2376
Net Interest Margin (NIM)
profitability
Value:
2.43%
Peer Median: -
#2376 of 2556
Bottom 7.1% in <100M tier
2280
Efficiency Ratio
profitability
Value:
100.43%
Peer Median: -
#2280 of 2556
Bottom 10.8% in <100M tier
2244
First Mortgage Concentration (%)
balance_sheet
Value:
41.80%
Peer Median: -
#2244 of 2556
Bottom 12.2% in <100M tier
2237
Members Per Employee (MPE)
engagement
Value:
177.000
Peer Median: -
#2237 of 2556
Bottom 12.5% in <100M tier
2226
Total Loans
balance_sheet
Value:
$1.25M
Peer Median: -
#2226 of 2556
Bottom 12.9% in <100M tier
2201
Loan Growth Rate
growth
Value:
-12.90%
Peer Median: -
#2201 of 2556
Bottom 13.9% in <100M tier