CHEM FAMILY
Charter #61055 · Anniston, AL · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 176 sits at the 7th percentile of structural peers — worth a closer look.
- Net worth ratio of 28.95% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 2.96% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.00% ranks in the 0th 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 | CHEM FAMILY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $4.02M | 50th pct | 34th pct |
| Members | 176 | 12th pct | 7th pct |
| Net worth ratio | 28.95% | 83th pct | 80th pct |
| Return on average assets | 2.96% | 95th pct | 95th pct |
| Net interest margin | 4.09% | 52th pct | 64th pct |
| Cost of funds | 0.00% | 0th pct | 0th pct |
| Loan-to-share | 43.01% | 32th pct | 57th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.00% | 22th pct | 21th pct |
| Loan growth YoY | -2.25% | 64th pct | 70th pct |
| Share growth YoY | -0.82% | 43th pct | 51th pct |
| Efficiency ratio | 28.48% | 3th pct | 2th pct |
structural peer set hash: c0e5695f709b0df2687303e144404547… (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.