CHEMCEL
Charter #7129 · BISHOP, TX · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.07% sits at the 10th percentile of structural peers — worth a closer look.
- Cost of funds of 2.08% sits at the 92nd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.85% sits at the 79th percentile of structural peers — worth a closer look.
- Efficiency ratio of 73.79% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 45th percentile but its structural peers at the 67th — a 22-point gap showing why the peer definition matters.
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 | CHEMCEL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $183.62M | 45th pct | 67th pct |
| Members | 9,394 | 28th pct | 46th pct |
| Net worth ratio | 11.93% | 56th pct | 46th pct |
| Return on average assets | 0.81% | 58th pct | 61th pct |
| Net interest margin | 3.07% | 17th pct | 10th pct |
| Cost of funds | 2.08% | 91th pct | 92th pct |
| Loan-to-share | 67.06% | 40th pct | 54th pct |
| Delinquency 60+ days | 0.85% | 68th pct | 79th pct |
| Net charge-off ratio | 0.82% | 84th pct | 72th pct |
| Loan growth YoY | 3.89% | 81th pct | 89th pct |
| Share growth YoY | 5.12% | 72th pct | 62th pct |
| Efficiency ratio | 73.79% | 33th pct | 23th pct |
structural peer set hash: 4565b9872aaed47224b7c75d35ec32ba… (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.