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
Call Report peers
CHESSIE in the assets neighbourhood
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CHESSIE vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); CHESSIE sits in 90-94 with 747 others.
91 Top 23% higher than 77% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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).
- One place up in Maryland, First Eagle (#11) scores 92/100, 1 point higher; one place down, WEPCO (#13) scores 90/100, 1 point lower.
Quarter path for CHESSIE
CHESSIE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.1% from $416.0M (2025Q4) to $433.2M (2026Q1).
- Net-worth ratio shifted -0.23 pp (13.80% → 13.57%).
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
CHESSIE gives up 9 points in total. Member Growth costs the most, 5.5 of its 15; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is CHESSIE financially healthy?
On its 2025Q4 NCUA 5300 filing, CHESSIE scores 91/100 (Excellent), with a 13.57% net worth ratio and 0.68% of loans delinquent. It ranks #922 of 4,374 nationally on health and #12 of 62 in Maryland.
How does CHESSIE compare to other credit unions?
CHESSIE scores 91/100, higher than 77% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (13.57% vs 12.11%). Its widest shortfall is loan-to-share ratio (64.15% vs 72.20%).
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?
CHESSIE is a federal 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. CHESSIE's net worth ratio of 13.57% 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.