Chem Family Credit Union Anniston, Alabama
Chem Family Credit Union is a state-chartered credit union headquartered in Anniston, AL, established in 1928 (NCUA charter 61055), and it is regulated and insured by the NCUA. At Q2 2026 it reported 176 members and total assets of $4.1M (down 4.7% from Q2 2025), the 78th largest of 87 credit unions headquartered in Alabama. Its net worth ratio was 28.15% at Q2 2026, in the well capitalized band.
Also written as Chem Family CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 61055
- Headquarters
- Anniston, AL
- Established
- 1928
- Total assets, Q2 2026
- $4.1M
- Assets vs Q2 2025
- -4.7%
- Members, Q2 2026
- 176
- Net worth ratio, Q2 2026
- 28.15%
- Latest call report
- Q2 2026, NCUA 5300 · Chem Family Credit Union call report
- Asset rank in state
- 78th of 87 in Alabama
- Routing number
- 262285951
- Branches
- 1
It has 4 fewer members than on June 30, 2025 (-2.2%). Its net worth ratio was up 0.87 percentage points from 27.28% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $910K of $1.2M in total loans on its June 30, 2026 filing.
Credit unions similar in size in Alabama
Frequently asked about Chem Family Credit Union
How big is Chem Family Credit Union?
At Q2 2026 it reported total assets of $4.1M and 176 members.
Where is Chem Family Credit Union headquartered?
It is headquartered in Anniston, AL, United States.
When was Chem Family Credit Union founded?
It was established in 1928, per NCUA records.
Is Chem Family Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 61055): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Chem Family Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Chem Family Credit Union well capitalized?
Its net worth ratio was 28.15% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Chem Family Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 41.74% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Anniston, AL 36201
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1928
- NCUA Charter #
- 61055
- RSSD ID
- 396598
- Members
- 176
- Potential members
- 700
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 1 of 3 ranked measures and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 28.15% | 14.31% | over 90th top |
| Return on assets Middle half of peers: 0.16% to 1.30% | -1.98% | 0.72% | under 10th bottom |
| Return on equity Middle half of peers: 1.04% to 8.69% | -7.04% | 4.74% | under 10th bottom |
| Net interest margin Middle half of peers: 3.31% to 4.53% | not on file | 3.93% | not on file |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | not on file | 79.83% | not on file |
| Cost of funds Middle half of peers: 0.37% to 1.23% | not on file | 0.78% | not on file |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | not on file | 0.86% | not on file |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.03% | 4.70% | 20th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 41.74% | 58.92% | 24th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$4.1M total assets against $4.3M; $2.9M total shares and deposits against $3.1M; $1.2M total loans against $1.3M.
$1.1M net worth against $1.2M.
28.15% net worth ratio against 27.28%.
41.74% loan-to-share ratio against 42.96%.
-1.98% return on assets against 0.15%; -7.04% return on equity against 0.54%.
176 members against 180.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 28.15% | -1.98% | — | 41.74% |
| March 31, 2026 | 28.95% | 2.96% | — | 43.01% |
| December 31, 2025 | 28.31% | -6.14% | — | 43.72% |
| September 30, 2025 | 29.32% | 3.20% | — | 43.64% |
| June 30, 2025 | 27.28% | 0.15% | — | 42.96% |
| March 31, 2025 | 26.55% | 2.46% | — | 43.13% |
Scroll sideways to see every column.
Watch flags
The credit union posted negative net income relative to assets in its latest filing. Credit unions build net worth only through retained earnings, so sustained losses gradually weaken capital. BankRegReports flag, negative earnings.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.