BlastPoint's Credit Union Scorecard
CHEMCO
Charter #61277 · AL
CHEMCO has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
Key Concerns
Areas that may need attention
- - ROA 1.77% below tier average
- - Efficiency ratio 42.37% above tier (higher cost structure)
- - Net Charge-Off Rate: Bottom 4.7% in tier
- - Net Interest Margin (NIM): Bottom 7.4% in tier
- - Total Members: Bottom 9.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
355
+0.6% YoY0% QoQ
|
-2.3K |
2,676
+1.6% YoY
|
28,055
-6.4% YoY
|
33,913
+5.7% YoY
|
Bottom 9.4% in tier |
| Assets |
$5.3M
+3.1% YoY-0.5% QoQ
|
$-24.9M |
$30.2M
+1.3% YoY
|
$451.2M
+7.2% YoY
|
$578.3M
+9.0% YoY
|
20% |
| Loans |
$2.5M
-10.2% YoY-7.0% QoQ
|
$-12.8M |
$15.3M
-2.0% YoY
|
$260.3M
+6.6% YoY
|
$402.4M
+8.7% YoY
|
21% |
| Deposits |
$4.3M
+2.2% YoY-0.0% QoQ
|
$-21.5M |
$25.8M
+0.7% YoY
|
$395.2M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
20% |
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| ROA |
-1.6%
-180.0% YoY-173.4% QoQ
|
-1.8% |
0.1%
-77.6% YoY
|
0.6%
-14.6% YoY
|
0.4%
-39.2% YoY
|
Bottom 5.7% in tier |
| NIM |
2.5%
-42.2% YoY-51.3% QoQ
|
-1.5% |
4.0%
+4.0% YoY
|
3.7%
+0.6% YoY
|
3.8%
+4.1% YoY
|
Bottom 7.4% in tier |
| Efficiency Ratio |
133.0%
+105.0% YoY+118.2% QoQ
|
+42.4% |
90.6%
+6.5% YoY
|
80.4%
-0.1% YoY
|
84.6%
+2.8% YoY
|
Bottom 4.2% in tier |
| Delinquency Rate |
0.0%
-100.0% QoQ
|
-1.5 |
1.5%
+3.8% YoY
|
1.6%
+17.5% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
59.0%
-12.2% YoY-7.0% QoQ
|
+0.5% |
58.5%
-3.0% YoY
|
59.2%
-1.1% YoY
|
65.6%
-1.4% YoY
|
50% |
| AMR |
$19,122
-3.3% YoY-2.8% QoQ
|
+$4K |
$14,884
-1.7% YoY
|
$17,504
+3.5% YoY
|
$19,920
+1.6% YoY
|
74% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.1% | 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)