BlastPoint's Credit Union Scorecard
CHEMCO
Charter #61277 · 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
|
20% |
| 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
|
23% |
| 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
|
20% |
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| 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
|
82% |
| 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
|
19% |
| 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
|
57% |
| 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
|
78% |
| CD Concentration |
0.0%
-100.0% YoY
|
-24.4% |
24.4%
+4.2% YoY
|
20.8%
+2.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.4%
-6.7% YoY
|
7.9%
-2.9% YoY
|
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)