TellerScore

Chessie Federal Credit Union is a federal credit union headquartered in Cumberland, Maryland, in business for about 78 years. At the end of Q2 2026 it reported $434.4M in total assets and $372.3M in member shares and deposits, with 5 offices across 2 states.

Based on its Q2 2026 filing, Chessie Federal Credit Union scores 83/100, which we describe as strong. That is higher than 83% of 1,341 credit unions with $100 million – $1 billion. Among 60 credit unions headquartered in Maryland, it ranks 9th. Its strongest component is funding & liquidity (100/100; 59% loans-to-deposits, 2% uninsured), and its lowest is earnings (70/100; 1.24%).

TellerScore · Q2 2026

Scorecard

Capital cushion88/100
Net worth ratio: 13.83%
Loan quality73/100
Loans 60+ days delinquent ÷ total loans: 0.82%
Earnings70/100
Return on assets (annualized): 1.24%
Funding & liquidity100/100
Loans ÷ shares: 59.1% · 1.9% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.24%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (83 → 83).

TellerScore
727985Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202472
Q3 202476
Q4 202477
Q1 202582
Q2 202583
Q3 202577
Q4 202585
Q1 202683
Q2 202683
Net worth ratio
7.00%10.41%13.83%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.89%
Q3 202412.42%
Q4 202412.65%
Q1 202512.61%
Q2 202512.98%
Q3 202513.20%
Q4 202513.80%
Q1 202613.57%
Q2 202613.83%
Delinquent loans (60+ days)
0.61%1.02%1.43%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.43%
Q3 20241.01%
Q4 20240.94%
Q1 20250.61%
Q2 20250.76%
Q3 20251.39%
Q4 20250.68%
Q1 20260.78%
Q2 20260.82%
Return on assets
1.24%1.42%1.59%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.57%
Q3 20241.39%
Q4 20241.30%
Q1 20251.50%
Q2 20251.59%
Q3 20251.45%
Q4 20251.47%
Q1 20261.27%
Q2 20261.24%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202683$434.4M13.83%0.82%1.24%59.1%
Q1 202683$433.2M13.57%0.78%1.27%59.6%
Q4 202585$416.0M13.80%0.68%1.47%64.1%
Q3 202577$421.5M13.20%1.39%1.45%64.1%
Q2 202583$421.8M12.98%0.76%1.59%65.2%
Q1 202582$420.2M12.61%0.61%1.50%67.0%
Q4 202477$406.3M12.65%0.94%1.30%71.8%
Q3 202476$406.8M12.42%1.01%1.39%73.3%
Q2 202472$416.8M11.89%1.43%1.57%72.8%

1,341 peers · $100 million – $1 billion

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).

Capital ratio13.83%
77th
Problem loans0.82%
41st
Net charge-offs0.33%
53rd
Return on assets1.24%
80th
Loans to deposits59.1%
79th
Uninsured deposits1.9%
91st
Loan-loss reserves0.00%
50th
Texas ratio3.2%
58th

Similar-size credit unions in Maryland

InstitutionScoreAssetsCapitalProblem loansCompare
Mid-Atlantic Federal Credit UnionCredit union Germantown, MD66 out of 100, Moderate$443.4M11.0%0.72%vs
Nymeo Federal Credit UnionCredit union Frederick, MD66 out of 100, Moderate$409.1M11.1%0.93%vs
Fedchoice Federal Credit UnionCredit union Lanham, MD62 out of 100, Moderate$468.7M9.4%0.65%vs
Wepco Federal Credit UnionCredit union Bloomington, MD86 out of 100, Very strong$399.3M15.5%0.98%vs
Signal Financial Federal Credit UnionCredit union Kensington, MD56 out of 100, Moderate$363.9M9.3%0.53%vs
Prince George'S Community Federal Credit UnionCredit union Bowie, MD80 out of 100, Strong$337.0M13.5%0.84%vs

Deposit insurance

Is my money safe at Chessie Federal Credit Union?

Yes. Chessie Federal Credit Union is a federally insured credit union (NCUA charter #5636). 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 1.9% of shares and deposits ($7.2M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 13.83%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

5 locations

Branches

Chessie Federal Credit Union lists 5 offices in 4 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Chessie Federal Credit Union reported 182 home-loan applications under HMDA (LEI 549300T82SC9BPCIU410): 140 originated ($15,210,000 total), 11 denied, and 29 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.2%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Chessie Federal Credit Union
Type
Federal credit union
NCUA charter #
5636
RSSD ID
625775
Primary regulator
NCUA
Established
1948
Headquarters
Po Box 689, Cumberland, MD 21502
Employees
97

Quick answers

Chessie Federal Credit Union: common questions

Is Chessie Federal Credit Union NCUA insured?

Yes. Chessie Federal Credit Union is a federally insured credit union (NCUA charter #5636). 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 Chessie Federal Credit Union's TellerScore?

83 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.

How many branches does Chessie Federal Credit Union have?

5 offices as of the latest NCUA data, in 2 states.