Charter 5636 · Cumberland, MD
Chessie Federal Credit Union
Chessie Federal Credit Union is a federally chartered credit union in Cumberland, Maryland, with $434 million in assets and 33,309 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 13.83%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $434 million
- +3.0% in a year
- Members
- 33,309
- -0.4% in a year
- Net worth ratio
- 13.83%
- Peer median 11.65%
- Loans 60+ days late
- 0.82%
- Peer median 0.70%
- Loans outstanding
- $220 million
- -7.7% in a year
- Shares and deposits
- $372 million
- +1.7% in a year
- Branches
- 11
- 97 employees
- Opened
- 1948
- Federal charter
How Chessie Federal Credit Union compares
NCUA groups credit unions by size; Chessie Federal Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 13.83% is higher than that group's median of 11.65%, and its share of loans 60 or more days past due, 0.82%, is higher than the group median of 0.70%. Loans fell 7.7% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 21 of 60 credit unions headquartered in Maryland. See all Maryland credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $434 million | 33,309 | $220 million | 13.83% | 0.82% |
| Q1 2026 | $433 million | 33,968 | $222 million | 13.57% | 0.78% |
| Q4 2025 | $416 million | 33,435 | $229 million | 13.80% | 0.68% |
| Q3 2025 | $422 million | 34,035 | $233 million | 13.20% | 1.39% |
| Q2 2025 | $422 million | 33,432 | $238 million | 12.98% | 0.76% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 64,500 potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 9 sites for Chessie Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Drive Thru
122 W Union St, Cumberland, MD 21502 - LaVale Office
1308 National Hwy, Lavale, MD 21502 - WMHS
12501 Willowbrook Rd, Cumberland, MD 21502 - Keyser
1015 Florida Ave, Keyser, WV 26726 - Grafton
400 N Pike St, Grafton, WV 26354 - Commerce Drive (main office)
15 Commerce Dr, Cumberland, MD 21502 - Frostburg
100 Bishop Murphy Dr, Frostburg, MD 21532 - Greene Street
321 Greene St, Cumberland, MD 21502 - Messick Road
12401 Messick Road Se, Cumberland, MD 21502
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology