Chemco
Mc Intosh, AL · Charter 61277 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$5.3MAssets
$2.6MLoans
$4.3MShares
$1.1MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 87% of credit unions under $1B in assets (rank 225 of 1683).
- Widest gap: return on equity trails 92% of credit unions under $1B in assets (rank 1541 of 1681).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
-0.34%
Rank 1,554 of 1,683
Net Interest Margin
3.38%
Rank 1,222 of 1,683
Efficiency Ratio
90.11%
Rank 1,384 of 1,682
Equity / Assets
19.99%
Rank 225 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.34% | 0.35% | 0.74% | 1.18% | Beats 8% | 1,554 / 1,683 | |
| Return on Equity | -1.69% | 2.67% | 5.89% | 8.74% | Beats 8% | 1,541 / 1,681 | |
| Net Interest Margin | 3.38% | 3.31% | 3.82% | 4.32% | Beats 27% | 1,222 / 1,683 | |
| Efficiency Ratio | 90.11% | 68.91% | 78.20% | 86.93% | Beats 18% | 1,384 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.27% | 0.26% | 0.65% | 1.29% | Beats 74% | 431 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 19.99% | 10.44% | 12.89% | 16.53% | Beats 87% | 225 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 19.99% | 10.44% | 12.89% | 16.53% | Beats 87% | 225 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 60.75% | 52.61% | 69.38% | 83.50% | 36th pctl | 1,081 / 1,683 | |
| Loans / Assets | 48.60% | 44.71% | 59.18% | 70.72% | 31st pctl | 1,158 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |