Chemung Financial Corp - Asset Resilience Ratio

Latest as of March 2026: 10.02%

Chemung Financial Corp (CHMG) has an Asset Resilience Ratio of 10.02% as of March 2026. 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. Check Chemung Financial Corp strategic capital allocation to assess the company's strategic physical and investment asset allocation.

Liquid Assets

$275.32 Million

Cash + Short-term Investments

Total Assets

$2.75 Billion

All company assets

Resilience Assessment

Moderate

Financial Resilience Level

Asset Resilience Ratio Trend (2011–2025)

This chart shows how Chemung Financial Corp's Asset Resilience Ratio has changed over time. See Chemung Financial Corp (CHMG) net asset quality to measure how much of total assets are equity-financed.

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. For market capitalisation and broader financial context, see how much is Chemung Financial Corp worth.

Current Liquid Assets Breakdown

Component	Amount	% of Total Assets
Cash & Equivalents	$0.00	0%
Short-term Investments	$275.32 Million	10.02%
Total Liquid Assets	$275.32 Million	10.02%

Asset Resilience Insights

Moderate Liquidity: Chemung Financial Corp has 10.02% 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
BNP Paribas SA PA:BNP	Banks - Regional	17.67%
CIMB Group Holdings Bhd KLSE:1023	Banks - Regional	1.96%
Hua Xia Bank Co Ltd SHG:600015	Banks - Regional	4.86%
Grupo Security SN:SECURITY	Banks - Regional	0.15%
Bank Mestika Dharma Tbk JK:BBMD	Banks - Regional	-6.51%
Bank Multiarta Sentosa PT JK:MASB	Banks - Regional	1.29%
Bank Ochrony Środowiska SA WAR:BOS	Banks - Regional	8.84%
Bank Capital Indonesia Tbk JK:BACA	Banks - Regional	-22.83%

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	--

pp = percentage points

About Chemung Financial Corp

NASDAQ:CHMG USA Banks - Regional

Market Cap

$338.59 Million

Market Cap Rank

#14353 Global

#3370 in USA

Share Price

$70.25

Change (1 day)

-1.42%

52-Week Range

$46.75 - $72.51

All Time High

$72.51