Chemco Credit Union (NCUA charter #61277) is based in Mc Intosh, Alabama. Its Q2 2026 call report shows $5.3M in total assets and $4.3M in member shares and deposits.
Chemco Credit Union has a TellerScore of 79 out of 100 (strong) based on Q2 2026 data — higher than 62% of its 2,479 credit unions with under $100 million in assets. Among 88 credit unions headquartered in Alabama, it ranks 36th. Capital cushion contributes the most (100/100, 19.99%); earnings contributes the least (6/100, -0.35%).
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 19 points (98 → 79), mostly because the earnings component weakened by 94 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 84 |
| Q3 2024 | 85 |
| Q4 2024 | 97 |
| Q1 2025 | 99 |
| Q2 2025 | 98 |
| Q3 2025 | 99 |
| Q4 2025 | 98 |
| Q1 2026 | 80 |
| Q2 2026 | 79 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 17.60% |
| Q3 2024 | 18.37% |
| Q4 2024 | 19.58% |
| Q1 2025 | 19.03% |
| Q2 2025 | 19.97% |
| Q3 2025 | 19.62% |
| Q4 2025 | 20.09% |
| Q1 2026 | 19.71% |
| Q2 2026 | 19.99% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.58% |
| Q3 2024 | 0.88% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.11% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.26% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.16% |
| Q3 2024 | 1.34% |
| Q4 2024 | 2.09% |
| Q1 2025 | 1.98% |
| Q2 2025 | 2.80% |
| Q3 2025 | 1.99% |
| Q4 2025 | 2.20% |
| Q1 2026 | -1.62% |
| Q2 2026 | -0.35% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 79 | $5.3M | 19.99% | 0.26% | -0.35% | 60.7% |
| Q1 2026 | 80 | $5.3M | 19.71% | 0.00% | -1.62% | 59.0% |
| Q4 2025 | 98 | $5.3M | 20.09% | 0.11% | 2.20% | 63.5% |
| Q3 2025 | 99 | $5.3M | 19.62% | 0.00% | 1.99% | 66.5% |
| Q2 2025 | 98 | $5.1M | 19.97% | 0.00% | 2.80% | 70.9% |
| Q1 2025 | 99 | $5.2M | 19.03% | 0.00% | 1.98% | 67.2% |
| Q4 2024 | 97 | $4.9M | 19.58% | 0.00% | 2.09% | 77.9% |
| Q3 2024 | 85 | $5.1M | 18.37% | 0.88% | 1.34% | 76.7% |
| Q2 2024 | 84 | $5.2M | 17.60% | 1.58% | 2.16% | 73.5% |
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 |
|---|---|---|---|---|---|
| Sixth Avenue Baptist Federal Credit UnionCredit union Birmingham, AL | 34 out of 100, Low | $5.2M | 9.4% | 12.33% | vs |
| Tvh Federal Credit UnionCredit union Tuskegee, AL | 76 out of 100, Strong | $5.1M | 23.4% | 0.41% | vs |
| Alabama Postal Credit UnionCredit union Birmingham, AL | 96 out of 100, Very strong | $6.4M | 44.5% | 0.28% | vs |
| Chem Family Credit UnionCredit union Anniston, AL | 88 out of 100, Very strong | $4.1M | 28.1% | 0.00% | vs |
| 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 |
Deposit insurance
Is my money safe at Chemco Credit Union?
Yes. Chemco Credit Union is a federally insured credit union (NCUA charter #61277). 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 ($371) 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 19.99%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
Identity & history
Profile
- Legal name
- Chemco Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 61277
- RSSD ID
- 409797
- Primary regulator
- State + NCUA
- Established
- 1953
- Headquarters
- 1638 INDUSTRIAL Rd, Mc Intosh, AL 36553
- Employees
- 2
Quick answers
Chemco Credit Union: common questions
Is Chemco Credit Union NCUA insured?
Yes. Chemco Credit Union is a federally insured credit union (NCUA charter #61277). 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 Chemco Credit Union's TellerScore?
79 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.