Credit Union Safety Analysis
Is Chem Family Credit Union Safe? Anniston, Alabama
Based on its Q2 2026 NCUA 5300 call report, Chem Family Credit Union has a net worth ratio of 28.15%, at the NCUA level for well capitalized, its 60-day delinquency ratio is not reported, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Chem Family Credit Union's net worth ratio is 28.15%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 28.15%
- Delinquency ratio (60+ days) (Q2 2026): not reported
- Return on assets (Q2 2026): -1.98%
- Loan-to-share ratio (Q2 2026): 41.74%
Chem Family Credit Union (NCUA charter 61055, established 1928) reported $4.1M in assets and 176 members for Q2 2026 from Anniston, Alabama. It ranks 78 of 87 credit unions in Alabama by total assets. Total assets fell 4.7% from $4.3M on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 28.95% for Q1 2026; 27.28% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 2.96% for Q1 2026; 0.15% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 43.01% for Q1 2026; 42.96% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $910K
- Used vehicle loans: $164K
- Other secured non-real estate loans and lines of credit: $65K
- New vehicle loans: $59K
- Other unsecured loans and lines of credit: $15K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $4.1M | 28.15% | — | -1.98% | 41.74% |
| March 31, 2026 | $4.0M | 28.95% | — | 2.96% | 43.01% |
| December 31, 2025 | $4.0M | 28.31% | — | -6.14% | 43.72% |
| September 30, 2025 | $4.1M | 29.32% | — | 3.20% | 43.64% |
| June 30, 2025 | $4.3M | 27.28% | — | 0.15% | 42.96% |
| March 31, 2025 | $4.4M | 26.55% | — | 2.46% | 43.13% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Chem Family Credit Union profile
Regulator records: NCUA credit union profile (charter 61055) · FFIEC NIC profile (RSSD 396598)
Frequently asked questions
Is Chem Family Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Chem Family Credit Union's net worth ratio is 28.15%, above the 7% NCUA threshold for well capitalized.
Is Chem Family Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Chem Family Credit Union is a federally insured credit union (NCUA charter 61055): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Chem Family Credit Union's key safety ratios?
For Q2 2026, Chem Family Credit Union reports net worth 28.15%, delinquency not reported, ROA -1.98%, loan-to-share 41.74%.
What happens to my money if Chem Family Credit Union fails?
For Q2 2026, Chem Family Credit Union held $2.9M in shares and deposits for 176 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.