State credit union · Anniston, Alabama · NCUA charter #61055
Chem Family
Health score 72/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 72
- Health / 100
- $4.0M
- Total assets
- 177
- Members
- 28.9%
- Net-worth ratio
Chem Family scores 72/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $4.0M; members 177; net-worth ratio 28.95%; health rank #3,440 of 4,374; healthier than 20th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,440 of 4,374 health · 2025Q4Chem Family · health 72/100 · $4.0M · 2025Q4
- CHARTER 72/100
- NCUSIF 28.9%
- CAMELS 0.00%
- HEALTH 0.06%
- NW $4.0M
- DELQ 177
- ROA #3,440/4,374
- ASSETS n/a
- MEM 61055
Call Report peers
Chem Family carries $4.0M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Chem Family vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
72 20th percentile higher than 20% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Chem Family - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #61055, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Where Chem Family diverges from peer averages
- Net Worth Ratio leads the peer set - 28.95% here, 19.06% peer average (+9.89 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -19.88 pp (43.72% vs 63.60%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Chem Family: in-state Call Report ranks
- In Alabama, health place is #71 of 89 on the same NCUA-ratio sort used nationally.
- Assets rank #80 of 89 inside Alabama ($4.0M reported).
- Membership ranks #88 of 89 among Alabama CUs with a reported count (177 members).
In-state ordinals use the live credit_unions table for AL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Chem Family Call Report trajectory
Chem Family: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.3% from $4.0M (2025Q4) to $4.0M (2026Q1).
- Net-worth ratio shifted +0.64 pp (28.31% → 28.95%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
28.95% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 72/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 72.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 7.3 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 9.7 pts
Chem Family vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 28.95% | +9.89 pp |
| Delinquency Rate | 0.00% | -1.81 pp |
| Return on Assets | 0.06% | -0.39 pp |
| Member Growth | -10.61% | - |
| Loan-to-Share Ratio | 43.72% | -19.88 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Chem Family quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $4.0M | - |
| 2025Q4 | $4.0M | 177 |
| 2024Q4 | $4.4M | 198 |
| 2023Q4 | $5.6M | 221 |
Credit Union Details
- Charter Number
- 61055
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Alabama
- City
- Anniston
- Data Quarter
- 2025Q4
Branch Location
Chem Family operates a single office in Anniston, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Chem Family Credit Union (Main Office) | Anniston, AL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Alabama
Other federally-insured credit unions in Alabama, closest first by peer group and asset size.
Chem Family nationwide neighbourhoods
Chem Family's nationwide photo peers by assets and by health score, excluding Alabama charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (72/100 here).
Using this data
- Chem Family ranks #3,440 of 4,374 nationally on financial health and #71 of 89 in AL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- S R I Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with S R I Employees
- Rates and health both vary by institution, not just by state -- see how Alabama credit unions compare overall before assuming this one is typical. Alabama state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Chem Family financially healthy?
Yes/no aside, the number is 72/100 (Very Good) - Chem Family's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,440 of 4,374; by total assets it ranks #3,966 of 4,374 nationally (same basis as /rankings/largest); and #80 of 89 within Alabama. Above 80 reads excellent, below 50 warrants closer monitoring; a 28.95% net worth ratio and 0.00% delinquency rate are the key drivers.
How does Chem Family compare to other credit unions?
Chem Family scores 72/100 on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Chem Family?
Membership eligibility for Chem Family depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Chem Family directly for current membership requirements and application steps.
Is my money safe at Chem Family?
Federal credit unions like Chem Family are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Chem Family's net worth ratio of 28.95% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Chem Family offer compared to banks?
Credit unions like Chem Family are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Chem Family directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.