# CHESSIE
CUMBERLAND, MD · NCUA charter 5636 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/chessie-5636

Who the members are: federal charter, multiple common bond, organized 1948, low-income designated. 33,968 members of 64,500 potential (52.7% of the field); checking penetration 51% (share draft accounts per 100 members); loans per 100 members 33.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $433.2M |
| Members | 33,968 (1.8% YoY) |
| Full-time staff | 96 |
| Net worth | $58.8M |
| Net worth ratio | 13.6% (p79 of band) |
| ROA (annualized) | 1.27% (p83 of band) |
| Total delinquency | 0.78% (p66 of band) |
| Net charge-offs (annualized) | 0.27% (p37 of band) |
| Loans / shares | 60% (p20 of band) |
| Cash / assets | 39.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.92% (p75 of band) |
| Operating expense / assets | 3.63% (p46 of band) |
| Vehicles % of loans | 27% (p39 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 62% |
| Third-party paper % of net worth | 64% (p45 of band) |
| Vehicle delinquency | 1.04% (p78 of band) |
| Vehicle NCO | 1.20% (p77 of band) |
| Repossessed % of vehicle book | 0.47% (p94 of band) |
| Real estate % of loans | 55% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 36% |
| Core shares % of member funds | 72% |
| Certificates % of member funds | 12% |
| Average share balance | $6,177 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 33% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $19,628 |
| Loans granted, annualized | $46.6M |

## Flags firing in the latest filing

- **repo signal** (`aq_repo`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, 3rd-party paper>100% NW |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 3 | net worth falling |  |
| 2016-12 | 2 |  | net worth falling |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 | delinquency 2x band | thin capital |
| 2018-12 | 1 |  | delinquency 2x band |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | delinquency 2x band |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 3 | thin capital, net worth falling | delinquency 2x band |
| 2020-06 | 4 | delinquency 2x band |  |
| 2020-09 | 4 | margin squeeze | net worth falling |
| 2020-12 | 4 |  |  |
| 2021-03 | 7 | net worth falling, losing money, repo signal |  |
| 2021-06 | 3 |  | margin squeeze, net worth falling, losing money, repo signal |
| 2021-09 | 3 |  |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 3 |  |  |
| 2022-06 | 3 |  |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 2 |  | thin capital |
| 2023-03 | 1 |  | delinquency 2x band |
| 2023-06 | 2 | delinquency 2x band |  |
| 2023-09 | 4 | delinquency rising, assets shrinking |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 5 | repo signal |  |
| 2024-06 | 5 |  |  |
| 2024-09 | 3 | members leaving | delinquency 2x band, delinquency rising, repo signal |
| 2024-12 | 2 |  | assets shrinking |
| 2025-03 | 1 |  | 3rd-party paper>100% NW |
| 2025-06 | 1 | loan book shrinking | members leaving |
| 2025-09 | 2 | delinquency 2x band |  |
| 2025-12 | 1 |  | delinquency 2x band |
| 2026-03 | 1 | repo signal | loan book shrinking |

## In the news (Google News, unfiltered, newest first; check the city)

- 2021-02-09 [CEO of Chessie Federal Credit Union retires - American Banker](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPVmpONk9SclJrZHNZckQtdVVlS1dOSXJvbHp5SmxBYkRMcnhTcllRN0FBNkp6dllFSjFCR2w4YmRneHkyQTVkZ0d5eEhOSUxNak52cUZyWEdBVDRELS1HOGpFZFNEUTF4V213VldZQVk1MTJlbVJhd1Z0aFRJeVBnczVJa3RHVG1TTEhXV3JNNEVtS2VCT0s0NG5nVHZsNXhRZENWWWtxckEtNW8?oc=5) · American Banker
- 2021-02-28 [Chessie Credit Union to acquire Kelco, reopen lobbies - The Cumberland Times-News](https://news.google.com/rss/articles/CBMi3gFBVV95cUxNM3FSdUFRaTZRc0JjcVJ3TTZIX0N3N1FCNC1hZUpXTzZVM1MzTlo5UThMWG1MNlEtdUFueW85aDc1WVNyS0RkY0VOYkJMMm56WlVSVmVQV1VDYWRwUkZnYnNzbkJ1SFRDYzBmdDVSR29raUx2dWVBTDRnQk54eHlpTnBDekNIa3JTdTFkY2NFN0tCQ212Z01ZeDZZQ3JhTTFPcWp5SWNibTdOajgzUFQyOWNEYXRfRTQtbTZWX0QyMkZSZ2puS0Uta3VBVjhibGNhTjJveEx1OUs4SkJSV1E?oc=5) · The Cumberland Times-News
- 2026-07-08 [Brenda Sue Riley Obituary (2026) - brushton, NY - Scarpelli Funeral Homes, P.A. - Cumberland - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxNX3BqT0tKRnZhWU9vaWtYV092UFpLUUpvaDBtams4SGl4UDJ5Zk5Ca01jMVNQckpXYXlpejh6T3AtUjZCX0lCRDdNU25QVFhObEhUOHlWWVBOYUtzUjluLVQwbU10VS1DZnlkNTNacWVjcmdwTlFmRVRkcXo0cVFEMg?oc=5) · legacy.com
- 2026-08-07 [Donna Ellen Smith Obituary (2026) - Cumberland, MD - Adams Family Funeral Home, P.A. - Cumberland - legacy.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE1tVE1zc2RtQmJGam5xSjR0TVhmM1pDRVNKVkdENU5wQWdfQTB6Rm52T0NlNVJidmp5TjJPVnpIemw2RFNjTi1fcFpPTHhUQmJFV2FYdkZHSEtlcTVMcjZJTkpOdk45SExhbEFwR2lUandDeDRtd3piU2dxVzNXVUk?oc=5) · legacy.com
- 2021-04-20 [Bonny Wenner Obituary (1944 - 2021) - Knoxville, MD - The Frederick News-Post - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxORThfVDAtRFJmQkV5dURobGhJVjdGdXVZNnB0MUR4NFI1eXp1YlVOYm8zdGVMUk9RN2V5VXZNdDdtcjVkcUZYUVRRSHNqOXdUMURocjRVMzZMa0pTbENwNWJ2OHVHdXIwYTE3cmVxemQ1d1Z3amN5VVdqY2xGckVmQjRUMTNlYlNCTmlBV3BlQ2xPMGpscjdN?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=5636 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/4.json (key "5636", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=5636
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide