PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Chem Family

Anniston, AL · Charter 61055

NCUA · 1 branch

Q2 2026

$4.1MAssets
$1.2MLoans
$2.9MShares
$1.1MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.47%, down 86 bps year over year; NIM at 1.80%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 28.15%, up 88 bps from a year ago.
  • Funding: loans stand at 41.74% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.47%-86 bps YoY

Net Interest Margin (quarter, annualized)

1.80%-128 bps YoY

Efficiency Ratio (quarter, annualized)

74.33%+1,716 bps YoY

Net Worth / Assets

28.15%+88 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.33%2.00%-0.01%2.96%0.47%-86 bps
Return on Equity4.89%6.81%-0.04%10.21%1.67%-322 bps
Net Interest Margin3.09%3.63%2.45%4.09%1.80%-128 bps
Efficiency Ratio57.16%45.38%100.43%28.48%74.33%+1,716 bps
Growth
Asset Growth (YoY)-21.84%-16.20%-9.49%-8.08%-4.72%+1,712 bps
Loan Growth (YoY)-7.84%-12.80%-12.90%-11.38%-8.58%-74 bps
Share Growth (YoY)-26.14%-15.88%-12.82%-11.13%-5.91%+2,023 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.13%1.20%2.40%2.45%2.47%+134 bps
Capital
Risk-Based Capital27.28%29.32%28.31%28.95%28.15%+88 bps
Net Worth / Assets27.28%29.32%28.31%28.95%28.15%+88 bps
Liquidity & Funding
Loans / Shares42.96%43.64%43.72%43.01%41.74%-122 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps