PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Chemcel

Bishop, TX · Charter 7129

NCUA · 6 branches

Q2 2026

$184.0MAssets
$102.5MLoans
$159.9MShares
$22.3MNet 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 0.80%, up 13 bps year over year; NIM at 2.98%.
  • Asset quality: problem loans at 0.75% of loans (+7 bps YoY).
  • Capital: net worth / assets of 12.11%, up 29 bps from a year ago.
  • Funding: loans stand at 64.11% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.80%+13 bps YoY

Net Interest Margin (YTD, annualized)

2.98%+18 bps YoY

Efficiency Ratio (YTD, annualized)

76.51%+20 bps YoY

Net Worth / Assets

12.11%+29 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.67%0.77%0.79%0.81%0.80%+13 bps
Return on Equity5.68%6.33%6.73%6.76%6.63%+95 bps
Net Interest Margin2.80%2.91%2.85%3.07%2.98%+18 bps
Efficiency Ratio76.31%74.40%73.17%73.79%76.51%+20 bps
Growth
Asset Growth (YoY)13.45%9.57%11.81%5.92%4.31%-914 bps
Loan Growth (YoY)3.08%5.36%8.22%9.64%1.39%-169 bps
Share Growth (YoY)14.99%10.28%12.51%5.99%3.60%-1,139 bps
Asset Quality
Delinquent Loans / Loans0.68%1.20%1.10%0.85%0.75%+7 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.81%12.13%11.78%11.93%12.11%+29 bps
Net Worth / Assets11.81%12.13%11.78%11.93%12.11%+29 bps
Liquidity & Funding
Loans / Shares65.51%67.85%66.64%67.06%64.11%-140 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps