CHESSIE
Federal • CUMBERLAND, Maryland • Est. 1948
Quick Facts
- Charter Number
- #5636
- Type
- Federal
- Established
- 1948
- Headquarters
- CUMBERLAND, Maryland 21502
- Address
- PO BOX 689
- Branches
- 9
- ATMs
- 12
- Members
- 33,435
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
33,435 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | CHESSIE |
|---|---|
| Total Assets | $416.0M |
| Members | 33,435 |
| Loans Outstanding | $228.9M |
| Shares & Deposits | $356.8M |
| Net Worth | $57.4M |
| Net Worth Ratio | 13.80% |
| Loan-to-Share Ratio | 64.2% |
| Delinquency Rate | 0.68% |
| Net Income | +$6,760,162 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
9 locations · 12 ATMs
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
Who Can Join CHESSIE?
Membership Type: Community
Membership eligibility for CHESSIE may vary. Contact the credit union directly to confirm qualification requirements.
Contact CHESSIE directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Maryland RankingsFrequently Asked Questions
Yes. CHESSIE is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, CHESSIE has 33,435 members and a potential membership field of 64,500 people.
CHESSIE's net worth ratio is 13.80% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 13.8%, CHESSIE meets this threshold.
CHESSIE operates 9 branch locations and has access to 12 ATMs. The main office is located at 15 Commerce Dr, Cumberland, MD 21502.
CHESSIE was established in 1948. It is a federal credit union chartered under charter number 5636. The institution has been serving members for 78 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or CHESSIE. All financial data is for informational purposes only.