Federal credit union · CUMBERLAND, Maryland · NCUA charter #5636
CHESSIE
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $416.0M
- Total assets
- 33,435
- Members
- 13.6%
- Net-worth ratio
CHESSIE scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $416.0M; members 33,435; net-worth ratio 13.57%; health rank #922 of 4,374; healthier than 77th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#922 of 4,374 health · 2025Q4CHESSIE · health 91/100 · $416.0M · 2025Q4
- DELQ 91/100
- ROA 13.6%
- ASSETS 0.68%
- MEM 1.27%
- RANK $416.0M
- PHOTO 33,435
- BOOK #922/4,374
- CHARTER Tva Community Credit Union
- NCUSIF 5636
Call Report peers
CHESSIE in the assets neighbourhood
CHESSIE's $416.0M assets sit next to Tva Community Credit Union ($416.2M) 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.
CHESSIE 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
91 Top 23% higher than 77% 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
CHESSIE - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #5636. See our deposit-insurance coverage note.
Peer-gap read for CHESSIE
- Largest favorable gap: Net Worth Ratio at 13.57% vs peer 12.11% (+1.46 pp).
- Largest lag: Loan-to-Share Ratio at 64.15% vs peer 72.20% (-8.05 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where CHESSIE sits in Maryland
- In Maryland, health place is #12 of 62 on the same NCUA-ratio sort used nationally.
- Maryland assets place: #21 of 62.
- Membership ranks #18 of 62 among Maryland CUs with a reported count (33,435 members).
In-state ordinals use the live credit_unions table for MD only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for CHESSIE
CHESSIE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.1% from $416.0M (2025Q4) to $433.2M (2026Q1).
- Net-worth ratio shifted -0.23 pp (13.80% → 13.57%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 13.57% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 91/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 91.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.2 pts
- Return on Assets 15.0 pts
- Member Growth 9.5 pts
- Loan-to-Share Ratio 13.3 pts
CHESSIE health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.57% | +1.46 pp |
| Delinquency Rate | 0.68% | -0.22 pp |
| Return on Assets | 1.27% | +0.64 pp |
| Member Growth | 0.42% | - |
| Loan-to-Share Ratio | 64.15% | -8.05 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).
CHESSIE quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $433.2M | - |
| 2025Q4 | $416.0M | 33,435 |
| 2024Q4 | $406.3M | 33,295 |
| 2023Q4 | $411.9M | 34,383 |
Credit Union Details
- Charter Number
- 5636
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Maryland
- City
- CUMBERLAND
- Data Quarter
- 2025Q4
Branch Locations (9)
CHESSIE operates 9 offices across 5 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Commerce Drive (Main Office) | Cumberland, MD |
| Drive Thru | Cumberland, MD |
| WMHS | Cumberland, MD |
| Greene Street | Cumberland, MD |
| Messick Road | Cumberland, MD |
| Frostburg | Frostburg, MD |
| Grafton | Grafton, WV |
| Keyser | Keyser, WV |
| LaVale Office | LaVale, MD |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Maryland
Other federally-insured credit unions in Maryland, closest first by peer group and asset size.
CHESSIE nationwide neighbourhoods
Cross-state asset and health neighbours for CHESSIE - kept outside Maryland; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($416.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (91/100 here).
Using this data
- CHESSIE ranks #922 of 4,374 nationally on financial health and #12 of 62 in MD -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- NYMEO is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with NYMEO
- Rates and health both vary by institution, not just by state -- see how Maryland credit unions compare overall before assuming this one is typical. Maryland 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 CHESSIE financially healthy?
CHESSIE has a financial health score of 91/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #922 of 4,374; by total assets it ranks #842 of 4,374 nationally (same basis as /rankings/largest); and #21 of 62 within Maryland. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 13.57% and delinquency rate of 0.68%.
How does CHESSIE compare to other credit unions?
PlainCU's health composite puts CHESSIE at 91/100, compared to a peer group average for $100M–$500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 CHESSIE?
CHESSIE 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 CHESSIE directly for the exact boundaries and application steps.
Is my money safe at CHESSIE?
Federal credit unions like CHESSIE 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. CHESSIE's net worth ratio of 13.57% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does CHESSIE offer compared to banks?
Credit unions like CHESSIE 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 CHESSIE 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.