Chessie Federal Credit Union Cumberland, Maryland
Chessie Federal Credit Union is a federal credit union headquartered in Cumberland, MD, established in 1948 (NCUA charter 5636), and it is regulated and insured by the NCUA. At Q2 2026 it reported 33,309 members and total assets of $434.4M (up 3.0% from Q2 2025), the 21st largest of 58 credit unions headquartered in Maryland. Its net worth ratio was 13.83% at Q2 2026, in the well capitalized band.
Also written as Chessie FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 5636
- Headquarters
- Cumberland, MD
- Established
- 1948
- Total assets, Q2 2026
- $434.4M
- Assets vs Q2 2025
- +3.0%
- Members, Q2 2026
- 33,309
- Net worth ratio, Q2 2026
- 13.83%
- Latest call report
- Q2 2026, NCUA 5300 · Chessie Federal Credit Union call report
- Asset rank in state
- 21st of 58 in Maryland
- Routing number
- 252177150
- Branches
- 9
It has 123 fewer members than on June 30, 2025 (-0.4%). Its net worth ratio was up 0.85 percentage points from 12.98% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $123.8M of $220.1M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.82% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 13.83% net worth ratio is above that band's 11.43% median.
Credit unions similar in size in Maryland
Credit unions merged into Chessie Federal Credit Union
Kelco Federal Credit Union (2021) · Al Gar Federal Credit Union (2020)
Frequently asked about Chessie Federal Credit Union
How big is Chessie Federal Credit Union?
At Q2 2026 it reported total assets of $434.4M and 33,309 members.
Where is Chessie Federal Credit Union headquartered?
It is headquartered in Cumberland, MD, United States.
When was Chessie Federal Credit Union founded?
It was established in 1948, per NCUA records.
Is Chessie Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 5636): 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 Chessie Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Chessie Federal Credit Union well capitalized?
Its net worth ratio was 13.83% 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 Chessie Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.82% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Chessie Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 59.12% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Cumberland, MD 21502
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1948
- NCUA Charter #
- 5636
- RSSD ID
- 625775
- Members
- 33,309
- Potential members
- 64,500
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 2 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 13.83% | 11.43% | 76th top |
| Return on assets Middle half of peers: 0.43% to 1.23% | 1.22% | 0.81% | 74th above |
| Return on equity Middle half of peers: 3.87% to 9.84% | 8.79% | 7.02% | 66th above |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.92% | 3.70% | 64th above |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 75.05% | 76.55% | 55th above |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 0.60% | 1.24% | over 90th top |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.82% | 0.68% | 42nd below |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 4.52% | 4.92% | 24th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 59.12% | 75.66% | 21st position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$434.4M total assets against $421.8M; $372.3M total shares and deposits against $366.0M; $220.1M total loans against $238.5M.
$60.1M net worth against $54.8M.
13.83% net worth ratio against 12.98%.
59.12% loan-to-share ratio against 65.16%.
0.82% delinquency ratio against 0.76%.
1.22% return on assets against 1.69%; 8.79% return on equity against 13.00%.
3.92% net interest margin against 4.31%.
33,309 members against 33,432.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 13.83% | 1.22% | 0.82% | 59.12% |
| March 31, 2026 | 13.57% | 1.27% | 0.78% | 59.63% |
| December 31, 2025 | 13.80% | 1.46% | 0.68% | 64.15% |
| September 30, 2025 | 13.20% | 1.18% | 1.39% | 64.14% |
| June 30, 2025 | 12.98% | 1.69% | 0.76% | 65.16% |
| March 31, 2025 | 12.61% | 1.50% | 0.61% | 67.01% |
Scroll sideways to see every column.
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.