Headquartered in Anniston, Alabama, Chem Family Credit Union is a federally insured state-chartered credit union with $4.1M in total assets and $2.9M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1928.
Chem Family Credit Union has a TellerScore of 88 out of 100 (very strong) based on Q2 2026 data — higher than 85% of its 2,479 credit unions with under $100 million in assets. Among 88 credit unions headquartered in Alabama, it ranks 16th. Capital cushion contributes the most (100/100, 28.15%); earnings contributes the least (39/100, 0.47%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 7 points (95 → 88), mostly because the earnings component weakened by 34 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 86 |
| Q3 2024 | 92 |
| Q4 2024 | 84 |
| Q1 2025 | 100 |
| Q2 2025 | 95 |
| Q3 2025 | 100 |
| Q4 2025 | 84 |
| Q1 2026 | 100 |
| Q2 2026 | 88 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 20.91% |
| Q3 2024 | 24.09% |
| Q4 2024 | 25.63% |
| Q1 2025 | 26.55% |
| Q2 2025 | 27.28% |
| Q3 2025 | 29.32% |
| Q4 2025 | 28.31% |
| Q1 2026 | 28.95% |
| Q2 2026 | 28.15% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.25% |
| Q3 2024 | 1.05% |
| Q4 2024 | 0.06% |
| Q1 2025 | 2.46% |
| Q2 2025 | 1.33% |
| Q3 2025 | 2.00% |
| Q4 2025 | -0.01% |
| Q1 2026 | 2.96% |
| Q2 2026 | 0.47% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 88 | $4.1M | 28.15% | 0.00% | 0.47% | 41.7% |
| Q1 2026 | 100 | $4.0M | 28.95% | 0.00% | 2.96% | 43.0% |
| Q4 2025 | 84 | $4.0M | 28.31% | 0.00% | -0.01% | 43.7% |
| Q3 2025 | 100 | $4.1M | 29.32% | 0.00% | 2.00% | 43.6% |
| Q2 2025 | 95 | $4.3M | 27.28% | 0.00% | 1.33% | 43.0% |
| Q1 2025 | 100 | $4.4M | 26.55% | 0.00% | 2.46% | 43.1% |
| Q4 2024 | 84 | $4.4M | 25.63% | 0.00% | 0.06% | 43.8% |
| Q3 2024 | 92 | $4.9M | 24.09% | 0.00% | 1.05% | 42.1% |
| Q2 2024 | 86 | $5.5M | 20.91% | 0.00% | 0.25% | 34.4% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Alabama
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| S R I Employees Federal Credit UnionCredit union Birmingham, AL | 85 out of 100, Very strong | $3.7M | 38.1% | 0.00% | vs |
| Demopolis Federal Credit UnionCredit union Demopolis, AL | 92 out of 100, Very strong | $3.3M | 54.9% | 0.54% | vs |
| Andalusia Mills Employees Credit As Federal Credit UnionCredit union Andalusia, AL | 87 out of 100, Very strong | $3.2M | 20.5% | 0.35% | vs |
| Tvh Federal Credit UnionCredit union Tuskegee, AL | 76 out of 100, Strong | $5.1M | 23.4% | 0.41% | vs |
| U S Pipe Bessemer Employees Federal Credit UnionCredit union Bessemer, AL | 64 out of 100, Moderate | $3.1M | 23.0% | 8.36% | vs |
| Sixth Avenue Baptist Federal Credit UnionCredit union Birmingham, AL | 34 out of 100, Low | $5.2M | 9.4% | 12.33% | vs |
Deposit insurance
Is my money safe at Chem Family Credit Union?
Yes. Chem Family Credit Union is a federally insured credit union (NCUA charter #61055). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 28.15%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Chem Family Credit Union lists 1 office in 1 city. Most locations:
- Anniston, AL (1)
Identity & history
Profile
- Legal name
- Chem Family Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 61055
- RSSD ID
- 396598
- Primary regulator
- State + NCUA
- Established
- 1928
- Headquarters
- 702 Clydesdale Av, Anniston, AL 36201
- Employees
- 1
Quick answers
Chem Family Credit Union: common questions
Is Chem Family Credit Union NCUA insured?
Yes. Chem Family Credit Union is a federally insured credit union (NCUA charter #61055). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Chem Family Credit Union's TellerScore?
88 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Chem Family Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Anniston
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Aod Federal Credit UnionCredit union Bynum, AL | 89 out of 100, Very strong | $466.7M | 16.4% | 0.53% | vs |
| Sycamore Federal Credit UnionCredit union Sycamore, AL | 87 out of 100, Very strong | $77.1M | 16.4% | 0.89% | vs |
| NobleBank & TrustBank Anniston, AL | 81 out of 100, Strong | $444.0M | 11.3% | 0.26% | vs |
| Metro BankBank Pell City, AL | 80 out of 100, Strong | $1.2B | 14.7% | 1.18% | vs |
| Alatrust Credit UnionCredit union Hoover, AL | 75 out of 100, Strong | $224.0M | 14.0% | 1.72% | vs |
| Farmers and Merchants BankBank Piedmont, AL | 75 out of 100, Strong | $308.7M | 12.7% | 0.78% | vs |