Chemung Financial Corp
Chemung Financial Corporation operates as a bank holding company for Chemung Canal Trust Company that provides a range of banking, financing, fiduciary, and other financial services. The company provides demand, savings, and time deposits; non-interest and interest-bearing checking accounts; and insured money market deposits. It also offers commercial and agricultural loans comprising loans to sm… Read more
Chemung Financial Corp - Asset Resilience Ratio
Chemung Financial Corp (CHMG) has an Asset Resilience Ratio of 10.35% as of December 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2011–2025)
This chart shows how Chemung Financial Corp's Asset Resilience Ratio has changed over time. Compare with other companies' asset resilience ratios.
Liquid Assets Composition Over Time
This chart breaks down Chemung Financial Corp's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $280.60 Million | 10.35% |
| Total Liquid Assets | $280.60 Million | 10.35% |
Asset Resilience Insights
- Moderate Liquidity: Chemung Financial Corp has 10.35% of assets in liquid form.
- While adequate for normal operations, this level may limit flexibility during economic stress.
- The company has significant short-term investments, indicating active treasury management.
Chemung Financial Corp Industry Peers by Asset Resilience Ratio
Compare Chemung Financial Corp's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Ping An Bank Co Ltd
SHE:000001 |
Banks - Regional | -6.06% |
|
Bank of Ningbo Co Ltd
SHE:002142 |
Banks - Regional | 6.40% |
|
Qingdao Rural Commercial Bank Corp Class A
SHE:002958 |
Banks - Regional | -13.48% |
|
Bank of Suzhou
SHE:002966 |
Banks - Regional | -8.31% |
|
Jeju Bank
KO:006220 |
Banks - Regional | 2.45% |
|
Industrial Bank Of Korea
KO:024110 |
Banks - Regional | 4.07% |
|
Hana Financial
KO:086790 |
Banks - Regional | 3.29% |
|
PT Bank Sinarmas Tbk
F:08S |
Banks - Regional | 3.70% |
Annual Asset Resilience Ratio for Chemung Financial Corp (2011–2025)
The table below shows the annual Asset Resilience Ratio data for Chemung Financial Corp.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-12-31 | 10.35% | $280.60 Million | $2.71 Billion | -4.84pp |
| 2024-12-31 | 15.19% | $421.74 Million | $2.78 Billion | -6.35pp |
| 2023-12-31 | 21.55% | $583.99 Million | $2.71 Billion | -2.37pp |
| 2022-12-31 | 23.91% | $632.59 Million | $2.65 Billion | -8.84pp |
| 2021-12-31 | 32.75% | $792.03 Million | $2.42 Billion | +8.42pp |
| 2020-12-31 | 24.33% | $554.61 Million | $2.28 Billion | +8.44pp |
| 2019-12-31 | 15.89% | $284.09 Million | $1.79 Billion | +2.09pp |
| 2018-12-31 | 13.80% | $242.26 Million | $1.76 Billion | -3.36pp |
| 2017-12-31 | 17.17% | $293.63 Million | $1.71 Billion | -1.14pp |
| 2016-12-31 | 18.31% | $303.40 Million | $1.66 Billion | -2.98pp |
| 2015-12-31 | 21.29% | $344.82 Million | $1.62 Billion | +2.80pp |
| 2014-12-31 | 18.49% | $280.51 Million | $1.52 Billion | -4.95pp |
| 2013-12-31 | 23.44% | $346.02 Million | $1.48 Billion | +4.24pp |
| 2012-12-31 | 19.20% | $239.69 Million | $1.25 Billion | -3.89pp |
| 2011-12-31 | 23.09% | $280.87 Million | $1.22 Billion | -- |