Chemcel

BISHOP, TX · 1 · Charter #7129 · www.chemcel.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$182.9M
84th percentile
Members
9,369
64th percentile
Total loans
$106.2M
79th percentile
Total shares
$159.4M
85th percentile

Profitability

Return on assets
1.09%
54th percentile
Net interest margin
2.85%
13th percentile
Efficiency ratio
49.67%
83th percentile
Non-interest income ratio
20.13%
65th percentile

Capital & Risk

Net worth ratio
11.78%
44th percentile
Delinquency rate
1.10%
29th percentile
Net charge-off rate
0.61%
24th percentile
Loan-to-share
66.64%
47th percentile

Growth

Member growth YoY
-0.15%
56th percentile
Asset growth YoY
11.81%
92th percentile
Loan growth YoY
8.22%
81th percentile
Share growth YoY
12.51%
92th percentile

Operations

Members / branch
1,874
18th percentile
Assets / member
$19,523
82th percentile
Field of membership penetration
9.29%
57th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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