CHEMCO
Charter #61277 | AL
<100M
(2596 CUs)
Micro
($0-$500M)
54 <100M in AL
CHEMCO has 7 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.34% above tier average
- + Net Interest Margin 0.87% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 2.7% in tier
Key Concerns
Areas that may need attention
- - Total Members: Bottom 10.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
361
+2.6% YoY+3.4% QoQ
|
-2.3K |
2,625
-2.2% YoY
|
29,240
-2.8% YoY
|
33,089
+6.1% YoY
|
Bottom 9.9% in tier |
| Assets |
$5.3M
+2.8% YoY+2.5% QoQ
|
$-24.6M |
$29.9M
+1.1% YoY
|
$436.7M
+7.4% YoY
|
$547.7M
+7.8% YoY
|
Bottom 20.3% in tier |
| Loans |
$2.8M
-12.3% YoY-3.6% QoQ
|
$-13.0M |
$15.8M
-2.4% YoY
|
$258.0M
+6.8% YoY
|
$388.7M
+8.6% YoY
|
Bottom 22.9% in tier |
| Deposits |
$4.2M
+1.1% YoY+2.8% QoQ
|
$-21.2M |
$25.5M
+0.4% YoY
|
$382.5M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
Bottom 20.3% in tier |
| ROA |
2.0%
+50.9% YoY-27.9% QoQ
|
+1.3% |
0.7%
-731.4% YoY
|
0.8%
+31.6% YoY
|
0.7%
+273.4% YoY
|
Top 8.8% in tier |
| NIM |
4.8%
+19.3% YoY-4.9% QoQ
|
+0.9% |
3.9%
+3.8% YoY
|
3.7%
+6.4% YoY
|
3.7%
+5.0% YoY
|
Top 18.1% in tier |
| Efficiency Ratio |
63.7%
+10.3% YoY+21.0% QoQ
|
-17.7% |
81.4%
-2.4% YoY
|
76.4%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 19.2% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-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 |
66.5%
-13.3% YoY-6.2% QoQ
|
+5.3% |
61.2%
-3.0% YoY
|
60.8%
-1.6% YoY
|
68.0%
-1.7% YoY
|
57th in tier |
| AMR |
$19,536
-7.1% YoY-3.2% QoQ
|
+$5K |
$14,627
-2.7% YoY
|
$17,062
+2.3% YoY
|
$19,418
+1.3% YoY
|
Top 22.3% in tier |
| CD Concentration |
0.0%
-100.0% YoY
|
-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 (12 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
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#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
71
Net Charge-Off Rate
risk
Value:
-0.20%
Peer Avg: 0.57%
#71 of 2596
Top 2.7% in <100M tier
228
Return on Assets (ROA)
profitability
Value:
2.02%
Peer Avg: 0.68%
#228 of 2596
Top 8.7% in <100M tier
365
Member Growth Rate
growth
Value:
2.56%
Peer Avg: 14.92%
#365 of 2596
Top 14.0% in <100M tier
471
Net Interest Margin (NIM)
profitability
Value:
4.81%
Peer Avg: 3.93%
#471 of 2596
Top 18.1% in <100M tier
499
Loan-to-Member Ratio (LMR)
engagement
Value:
$7,802
Peer Avg: $5,488
#499 of 2596
Top 19.2% in <100M tier
500
Efficiency Ratio
profitability
Value:
63.65%
Peer Avg: 81.39%
#500 of 2596
Top 19.2% in <100M tier
Top Weaknesses (7 metrics)
2338
Total Members
engagement
Value:
361
Peer Avg: 2,626
#2338 of 2596
Bottom 10.0% in <100M tier
2275
AMR Growth Rate
growth
Value:
-7.06%
Peer Avg: 4.67%
#2275 of 2596
Bottom 12.4% in <100M tier
2258
Members Per Employee (MPE)
engagement
Value:
180.500
Peer Avg: 365.701
#2258 of 2596
Bottom 13.1% in <100M tier
2183
Loan Growth Rate
growth
Value:
-12.28%
Peer Avg: 59.01%
#2183 of 2596
Bottom 15.9% in <100M tier
2069
Total Deposits
balance_sheet
Value:
$4.24M
Peer Avg: $25.45M
#2069 of 2596
Bottom 20.3% in <100M tier
2068
Total Assets
balance_sheet
Value:
$5.28M
Peer Avg: $29.86M
#2068 of 2596
Bottom 20.4% in <100M tier
2001
Total Loans
balance_sheet
Value:
$2.82M
Peer Avg: $15.77M
#2001 of 2596
Bottom 23.0% in <100M tier