Anniston, Alabama · Peer group 2
Chem Family Credit Union
Chem Family Credit Union holds $4.0M in assets across 176 members as of Q1 2026 — about $23K of assets per member, on a charter dating to 1928. Charter number 61055, in the <$10M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $4.0M |
|---|---|
| Total loans | $1.2M |
| Total shares (deposits) | $2.8M |
| Net worth | $1.2M |
| Members | 176 |
| Assets per member | $23K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -8.1% | |
|---|---|---|
| Loans | -11.4% | around the 31st percentile of its peer group |
| Deposits | -11.1% | lower than 91% of its peer group |
| Members | -6.4% | around the 13th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 43.0% | around the 27th percentile of its peer group |
|---|---|---|
| Net worth ratio | 28.9% | around the 86th percentile of its peer group |
| Return on assets | 2.96% | higher than 97% of its peer group |
| Delinquency ratio | 0.00% | around the 11th percentile of its peer group |
| Cash / assets | 7.7% | around the 18th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is Chem Family Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Alabama — the comparison set a peer ratio is measured against.
- S R I Employees Credit Union
Birmingham, AL
$3.6M · 155 members
- Demopolis Credit Union
Demopolis, AL
$3.3M · 741 members
- Andalusia Mills Employees Credit as Credit Union
ANDALUSIA, AL
$3.2M · 887 members
- Tvh Credit Union
Tuskegee, AL
$5.0M · 715 members
- U S Pipe Bessemer Employees Credit Union
Bessemer, AL
$3.0M · 492 members
- Councill Credit Union
NORMAL, AL
$2.8M · 619 members
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