Chessie

CUMBERLAND, MD · 1 · Charter #5636 · www.chessiefcu.org
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$416.0M
44th percentile
Members
33,435
61th percentile
Total loans
$228.9M
31th percentile
Total shares
$356.8M
45th percentile

Profitability

Return on assets
1.63%
86th percentile
Net interest margin
4.28%
90th percentile
Efficiency ratio
62.70%
34th percentile
Non-interest income ratio
18.92%
49th percentile

Capital & Risk

Net worth ratio
13.80%
83th percentile
Delinquency rate
0.68%
54th percentile
Net charge-off rate
0.27%
67th percentile
Loan-to-share
64.15%
18th percentile

Growth

Member growth YoY
0.42%
49th percentile
Asset growth YoY
2.38%
28th percentile
Loan growth YoY
-10.08%
2th percentile
Share growth YoY
0.69%
16th percentile

Operations

Members / branch
3,040
17th percentile
Assets / member
$12,442
15th percentile
Field of membership penetration
51.84%
95th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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