Chemco

MC INTOSH, AL · 2 · Charter #61277
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$5.3M
26th percentile
Members
355
12th percentile
Total loans
$2.7M
29th percentile
Total shares
$4.3M
26th percentile

Profitability

Return on assets
2.20%
93th percentile
Net interest margin
5.04%
83th percentile
Efficiency ratio
58.19%
70th percentile
Non-interest income ratio
6.50%
39th percentile

Capital & Risk

Net worth ratio
20.09%
74th percentile
Delinquency rate
0.11%
77th percentile
Net charge-off rate
-0.22%
97th percentile
Loan-to-share
63.48%
54th percentile

Growth

Member growth YoY
0.28%
71th percentile
Asset growth YoY
9.44%
91th percentile
Loan growth YoY
-11.38%
19th percentile
Share growth YoY
8.81%
89th percentile

Operations

Members / branch
355
16th percentile
Assets / member
$15,058
85th percentile
Field of membership penetration
35.50%
49th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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