CHEMCEL
Charter #7129 | TX
100M-500M
(1077 CUs)
Micro
($0-$500M)
79 100M-500M in TX
CHEMCEL has 5 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 3.5% in tier
- + Wallet Share Momentum: Top 5.9% in tier
- + Emerging Performer: Top 20.9% 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
- - Growth-at-Risk: Bottom 8.7% in tier
- - Stagnation Risk: Bottom 23.1% in tier
- - Liquidity Overhang: Bottom 27.9% 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
|
25th in tier |
| 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
|
41st in tier |
| 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
|
37th in tier |
| 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
|
42nd in tier |
| 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
|
50th in tier |
| 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
|
Bottom 16.1% in tier |
| 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
|
40th in tier |
| 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
|
Top 22.3% in tier |
| 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
|
36th in tier |
| 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
|
74th in tier |
| 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
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (3)
Relationship Depth Leader
growth
#96 of 1006 • Top 3.5% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
8.86%
(Tier:
3.68%, National:
4.19%)
Share Draft per Member:
$3.3K
(Tier: $2.8K, National: $2.0K)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
Rank improving
Wallet Share Momentum
growth
#163 of 1006 • Top 5.9% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
8.86%
(Tier:
3.68%, National:
4.19%)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
Rank improving
Emerging Performer
growth
#393 of 627 • Top 20.9% in tier
Profitable credit union with positive returns. May represent growth potential worth exploring.
Why This Signature
Return on Assets:
0.77%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
-0.57%
(Tier:
0.88%, National:
9.37%)
627 of 1077 Community CUs have this signature
| 852 nationally
↑ Growing
+13 CUs YoY
|
Rank worsening
Concerns (6)
Credit Quality Pressure
risk
#174 of 736 • Bottom 7.0% in tier
Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Why This Signature
Delinquency Change (YoY):
0.43% points
(Tier:
0.04% points, National:
0.07% points)
736 of 1077 Community CUs have this signature
| 1002 nationally
↓ Shrinking
-199 CUs YoY
|
Rank improving
Growth-at-Risk
risk
#131 of 446 • Bottom 8.7% in tier
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Why This Signature
Loan Growth (YoY):
5.36%
(Tier:
3.64%, National:
36.38%)
Delinquency Change (YoY):
0.43% points
(Tier:
0.04% points, National:
0.07% points)
446 of 1077 Community CUs have this signature
| 646 nationally
↓ Shrinking
-77 CUs YoY
|
New qualifier
Stagnation Risk
risk
#381 of 550 • Bottom 23.1% in tier
Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.
Why This Signature
Return on Assets:
0.77%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
-0.57%
(Tier:
0.88%, National:
9.37%)
Avg Member Relationship:
$27.4K
(Tier: $25.0K, National: $19.4K)
CD Concentration:
43.13%
(Tier:
24.41%, National:
19.60%)
550 of 1077 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
Rank worsening
Liquidity Overhang
risk
#432 of 552 • Bottom 27.9% in tier
Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
Why This Signature
Net Worth Ratio:
12.12%
(Tier:
11.95%, National:
14.51%)
Loan-to-Share Ratio:
67.85%
(Tier:
74.56%, National:
67.96%)
552 of 1077 Community CUs have this signature
| 691 nationally
↑ Growing
+65 CUs YoY
|
Rank worsening
Margin Compression
decline
#134 of 136 • Bottom 31.7% in tier
Strong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.
Why This Signature
Return on Assets:
0.77%
(Tier:
0.77%, National:
0.71%)
ROA Change (YoY):
-0.11% points
(Tier:
0.11% points, National:
0.05% points)
Total Assets:
$175.22M
(Tier: $231.30M, National: $547.69M)
136 of 1077 Community CUs have this signature
| 169 nationally
↓ Shrinking
-43 CUs YoY
|
New qualifier
Membership Headwinds
decline
#540 of 550 • Bottom 32.8% in tier
Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Why This Signature
Member Growth (YoY):
-0.57%
(Tier:
0.88%, National:
9.37%)
550 of 1077 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
Rank worsening
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
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 13.34%
#1 of 1077
Top 0.0% in 100M-500M tier
78
First Mortgage Concentration (%)
balance_sheet
Value:
5.92%
Peer Avg: 30.43%
#78 of 1077
Top 7.1% in 100M-500M tier
115
Deposit Growth Rate
growth
Value:
10.28%
Peer Avg: 4.69%
#115 of 1077
Top 10.6% in 100M-500M tier
128
AMR Growth Rate
growth
Value:
8.86%
Peer Avg: 3.64%
#128 of 1077
Top 11.8% in 100M-500M tier
136
Asset Growth Rate
growth
Value:
9.57%
Peer Avg: 4.70%
#136 of 1077
Top 12.5% in 100M-500M tier
195
Fee Income Per Member
profitability
Value:
$232.83
Peer Avg: $174.31
#195 of 1077
Top 18.0% in 100M-500M tier
Top Weaknesses (5 metrics)
1034
Share Certificate Concentration (%)
balance_sheet
Value:
43.13%
Peer Avg: 23.61%
#1034 of 1077
Bottom 4.1% in 100M-500M tier
904
Net Interest Margin (NIM)
profitability
Value:
2.90%
Peer Avg: 3.58%
#904 of 1077
Bottom 16.2% in 100M-500M tier
893
Net Charge-Off Rate
risk
Value:
0.76%
Peer Avg: 0.47%
#893 of 1077
Bottom 17.2% in 100M-500M tier
871
Members Per Employee (MPE)
engagement
Value:
252.649
Peer Avg: 332.881
#871 of 1077
Bottom 19.2% in 100M-500M tier
838
Total Delinquency Rate (60+ days)
risk
Value:
1.20%
Peer Avg: 0.86%
#838 of 1077
Bottom 22.3% in 100M-500M tier