CHESSIE
Charter #5636 · CUMBERLAND, MD · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 33,968 ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 13.57% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.30% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.00% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | CHESSIE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $433.22M | 94th pct | 84th pct |
| Members | 33,968 | 96th pct | 90th pct |
| Net worth ratio | 13.57% | 75th pct | 75th pct |
| Return on average assets | 1.30% | 83th pct | 80th pct |
| Net interest margin | 4.00% | 71th pct | 82th pct |
| Cost of funds | 0.70% | 26th pct | 28th pct |
| Loan-to-share | 59.63% | 26th pct | 30th pct |
| Delinquency 60+ days | 0.78% | 64th pct | 59th pct |
| Net charge-off ratio | 0.26% | 39th pct | 34th pct |
| Loan growth YoY | -4.53% | 8th pct | 13th pct |
| Share growth YoY | 2.70% | 39th pct | 33th pct |
| Efficiency ratio | 72.66% | 30th pct | 30th pct |
structural peer set hash: 4eef78f3ff21408a39e9289a479d98d1… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.