Federal credit union · BISHOP, Texas · NCUA charter #7129
CHEMCEL
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $182.9M
- Total assets
- 9,369
- Members
- 11.9%
- Net-worth ratio
CHEMCEL scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $182.9M; members 9,369; net-worth ratio 11.93%; health rank #1,653 of 4,374; healthier than 60th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,653 of 4,374 health · 2025Q4CHEMCEL · health 87/100 · $182.9M · 2025Q4
- ASSETS 87/100
- MEM 11.9%
- RANK 1.10%
- PHOTO 0.74%
- BOOK $182.9M
- CHARTER 9,369
- NCUSIF #1,653/4,374
- CAMELS POLISH-AMERICAN
- HEALTH 7129
Call Report peers
CHEMCEL in the assets neighbourhood
CHEMCEL's $182.9M assets sit next to POLISH-AMERICAN ($182.6M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
CHEMCEL 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
87 Top 40% higher than 60% 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
CHEMCEL - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #7129 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Peer-gap read for CHEMCEL
- Largest favorable gap: Return on Assets at 0.74% vs peer 0.62% (+0.12 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -5.56 pp (66.64% vs 72.20%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
CHEMCEL in Texas
- In Texas, health place is #151 of 386 on the same NCUA-ratio sort used nationally.
- Texas assets place: #112 of 386.
- Member book place in Texas: #135 of 386.
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for CHEMCEL
CHEMCEL: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.4% from $182.9M (2025Q4) to $183.6M (2026Q1).
- Net-worth ratio shifted +0.15 pp (11.78% → 11.93%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 11.93% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 87/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.2 pts
- Return on Assets 15.0 pts
- Member Growth 8.7 pts
- Loan-to-Share Ratio 14.1 pts
CHEMCEL vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.93% | -0.18 pp |
| Delinquency Rate | 1.10% | +0.21 pp |
| Return on Assets | 0.74% | +0.12 pp |
| Member Growth | -0.15% | - |
| Loan-to-Share Ratio | 66.64% | -5.56 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $183.6M | - |
| 2025Q4 | $182.9M | 9,369 |
| 2024Q4 | $163.6M | 9,383 |
| 2023Q4 | $150.9M | 9,431 |
Credit Union Details
- Charter Number
- 7129
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Texas
- City
- BISHOP
- Data Quarter
- 2025Q4
Branch Locations (5)
Per its most recent NCUA branch filing, CHEMCEL runs 5 offices in 5 different cities.
| Office | City |
|---|---|
| Bishop Office (Main Office) | Bishop, TX |
| Alice Office | Alice, TX |
| Corpus Christi Office | Corpus Christi, TX |
| Kingsville Office | Kingsville, TX |
| Pasadena Office | Pasadena, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for CHEMCEL - kept outside Texas; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($182.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
Using this data
- CHEMCEL ranks #1,653 of 4,374 nationally on financial health and #151 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- First Central is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with First Central
- Rates and health both vary by institution, not just by state -- see how Texas credit unions compare overall before assuming this one is typical. Texas 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 CHEMCEL financially healthy?
CHEMCEL scores 87/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,653 of 4,374; by total assets it ranks #1,344 of 4,374 nationally (same basis as /rankings/largest); and #112 of 386 within Texas. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 11.93% net worth ratio and a 1.10% delinquency rate.
How does CHEMCEL compare to other credit unions?
CHEMCEL scores 87/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M 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 CHEMCEL?
CHEMCEL operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact CHEMCEL directly for the exact boundaries and application steps.
Is my money safe at CHEMCEL?
Federal credit unions like CHEMCEL 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. CHEMCEL's net worth ratio of 11.93% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does CHEMCEL offer compared to banks?
Credit unions like CHEMCEL 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 CHEMCEL 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.