CHEMCO
Charter #61277 · MC INTOSH, AL · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 355 sits at the 3rd percentile of structural peers — worth a closer look.
- Return on average assets of -1.62% sits at the 5th percentile of structural peers — worth a closer look.
- Net interest margin of 2.46% sits at the 3rd percentile of structural peers — worth a closer look.
- Cost of funds of 0.32% ranks in the 21st 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 | CHEMCO | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $5.32M | 63th pct | 23th pct |
| Members | 355 | 30th pct | 3th pct |
| Net worth ratio | 19.71% | 58th pct | 57th pct |
| Return on average assets | -1.62% | 12th pct | 5th pct |
| Net interest margin | 2.46% | 11th pct | 3th pct |
| Cost of funds | 0.32% | 40th pct | 21th pct |
| Loan-to-share | 59.02% | 50th pct | 51th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 2.47% | 93th pct | 95th pct |
| Loan growth YoY | -10.54% | 26th pct | 11th pct |
| Share growth YoY | 0.78% | 55th pct | 49th pct |
| Efficiency ratio | 133.01% | 90th pct | 97th pct |
structural peer set hash: dcc2b66dadb598899719f473cefa94f8… (reproducible)
Closest structural peers
This is the free public view
Claim CHEMCO
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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.