Chemco Federal Credit Union


Overview / Commentary
502-772-5780
4200 Bells Lane
LOUISVILLE, KY 40211

Chemco Federal Credit Union is headquartered in BARDSTOWN and is the 40th largest credit union in the state of Kentucky. It is also the 3,215th largest credit union in the nation. It was established in 1967 and as of March of 2025, it had grown to 8 employees and 2,203 members at 2 locations. Chemco Federal Credit Union has a B health rating.

Field of Membership Restrictions

Membership is open to employees of Able Construction Company, American Synthetic Rubber Company, PolyOne Company, Lubrizol, Zeon Chemicals, or Recast Energy in Louisville, and Bardstown Independent School Systems, City of Bardstown, Clark Mechanical, LLC., Clark Distributing Company, Inc., FET Engineering, Four Roses Distillery, LLC., Flaget Memorial Hospital, Heaven Hill Distilleries, Inc, Inoac Packaging,Inc., IMI, Intertec Systems, Johnan America, Inc. , Mitsuba Bardstown, Inc., Life Care Center of Bardstown, Nelson County EMS, Nelson County, Nelson County Jail, Nelson County Landfill, ORBIS Corporation, Nelson County School System, Polyair Packaging, Tower Automotive, Sazerac/Tom Moore Distellery, or Trim Masters, Inc. in Bardstown.
See current membership details

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Health
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Chemco Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #18172
Year Chartered1967
Employees8
Primary Regulator
Profit Margin
Return on Assets - YTD0.02%
Return on Equity - YTD0.19%
Annual Interest Income$273K
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$20MM$19.7MM
LoansQ1 2025vs Q1 2024$12.6MM$13.6MM
DepositsQ1 2025vs Q1 2024$17.7MM$17.2MM
Equity CapitalQ1 2025vs Q1 2024$2.3MM$2.2MM
Loan Loss AllowanceQ1 2025vs Q1 2024$51K$3K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$32K$131K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
Rates

Rates for Chemco Federal Credit Union are currently being reviewed.

Locations


Chemco Federal Credit Union Locations
Branch Office4200 Bells LnLOUISVILLE, KY 40211-2147
Branch Office1008 TEMPLIN AVEBARDSTOWN, KY 40004

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