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.
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#3,440 of 4,374 health · 2025Q4Chem Family · health 72/100 · $4.0M · 2025Q4
Call Report peers
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Chem Family vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Chem Family sits in 70-74 with 317 others.
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
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%).
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).
- One place up in Alabama, The Bridgeway (#70) scores 73/100, 1 point higher; one place down, Fort Mcclellan (#72) scores 71/100, 1 point lower.
Chem Family Call Report trajectory
Chem Family: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.3% from $4.0M (2025Q4) to $4.0M (2026Q1).
- Net-worth ratio shifted +0.64 pp (28.31% → 28.95%).
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
Chem Family gives up 28 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- 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 |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
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
Similar health score
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
Frequently Asked Questions
Is Chem Family financially healthy?
Chem Family has a financial health score of 72/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,440 of 4,374 nationally on health and #71 of 89 in Alabama. Its net worth ratio is 28.95% and its delinquency rate 0.00%.
How does Chem Family compare to other credit unions?
Chem Family scores 72/100, higher than 20% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is net worth ratio (28.95% vs 19.06%). Its widest shortfall is loan-to-share ratio (43.72% vs 63.60%).
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?
Chem Family is a state-chartered credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.