BlastPoint's Credit Union Scorecard
CHEMCEL
Charter #7129 · TX
CHEMCEL has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 33.8% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 7.1% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 7.0% in tier
- - Credit Risk Growth: Bottom 8.7% in tier
- - Stagnation Risk: Bottom 23.1% in tier
- - Margin Compression: Bottom 31.7% in tier
- - Membership Headwinds: Bottom 32.8% in tier
- - ROA 0.02% below tier average
- - Delinquency rate 0.35% above tier average
- - Share Certificate Concentration (%): Bottom 4.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,348
-0.6% YoY-0.2% QoQ
|
-6.3K |
15,628
-3.4% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
25% |
| Assets |
$175.2M
+9.6% YoY-0.7% QoQ
|
$-56.1M |
$231.3M
-0.0% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
41% |
| Loans |
$103.6M
+5.4% YoY+2.5% QoQ
|
$-44.2M |
$147.8M
-1.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
37% |
| Deposits |
$152.7M
+10.3% YoY-1.0% QoQ
|
$-47.5M |
$200.3M
-0.0% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
42% |
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| ROA |
0.8%
-12.2% YoY+13.1% QoQ
|
-0.0% |
0.8%
+15.5% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
50% |
| NIM |
2.9%
-0.8% YoY+2.7% QoQ
|
-0.7% |
3.6%
+6.9% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
16% |
| Efficiency Ratio |
74.4%
+2.3% YoY-2.5% QoQ
|
-2.9% |
77.3%
-3.0% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
40% |
| Delinquency Rate |
1.2%
+54.6% YoY+76.9% QoQ
|
+0.3 |
0.9%
+7.6% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
78% |
| Loan To Share |
67.9%
-4.5% YoY+3.6% QoQ
|
-4.8% |
72.7%
-1.5% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
36% |
| AMR |
$27,425
+8.9% YoY+0.6% QoQ
|
+$3K |
$24,363
+2.9% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
74% |
| CD Concentration |
43.1%
+14.7% YoY+1.9% QoQ
|
+18.7% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)