Federal credit union · PADUCAH, Kentucky · NCUA charter #7524
C-PLANT
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $350.9M
- Total assets
- 15,891
- Members
- 14.6%
- Net-worth ratio
C-PLANT scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $350.9M; members 15,891; net-worth ratio 14.64%; health rank #2,084 of 4,374; healthier than 50th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,084 of 4,374 health · 2025Q4C-PLANT · health 84/100 · $350.9M · 2025Q4
- BOOK 84/100
- CHARTER 14.6%
- NCUSIF 0.66%
- CAMELS 1.15%
- HEALTH $350.9M
- NW 15,891
- DELQ #2,084/4,374
- ROA Red Rocks
- ASSETS 7524
Call Report peers
C-PLANT in the assets neighbourhood
C-PLANT's $350.9M assets sit next to Red Rocks ($350.4M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
C-PLANT vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
84 Top 50% higher than 50% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
C-PLANT - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #7524. See our deposit-insurance coverage note.
Where C-PLANT diverges from peer averages
- Strongest edge vs 1069 $100M–$500M peers is Net Worth Ratio: +2.53 pp (14.64% vs 12.11%).
- Loan-to-Share Ratio trails the peer set - 46.35% here, 72.20% peer average (-25.85 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
C-PLANT in Kentucky
- In Kentucky, health place is #25 of 54 on the same NCUA-ratio sort used nationally.
- By total assets, C-PLANT is #11 of 54 in Kentucky.
- Kentucky membership ordinal: #14 of 54.
In-state ordinals use the live credit_unions table for KY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for C-PLANT
C-PLANT: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.5% from $350.9M (2025Q4) to $363.3M (2026Q1).
- Net-worth ratio shifted +0.04 pp (14.60% → 14.64%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
14.64% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 84/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 84.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.4 pts
- Return on Assets 15.0 pts
- Member Growth 5.2 pts
- Loan-to-Share Ratio 10.4 pts
C-PLANT vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.64% | +2.53 pp |
| Delinquency Rate | 0.66% | -0.23 pp |
| Return on Assets | 1.15% | +0.52 pp |
| Member Growth | -2.12% | - |
| Loan-to-Share Ratio | 46.35% | -25.85 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $363.3M | - |
| 2025Q4 | $350.9M | 15,891 |
| 2024Q4 | $328.1M | 16,235 |
| 2023Q4 | $282.0M | 16,364 |
Credit Union Details
- Charter Number
- 7524
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Kentucky
- City
- PADUCAH
- Data Quarter
- 2025Q4
Branch Locations (10)
The NCUA branch filing lists 10 physical offices for C-PLANT, spread across 7 cities.
| Office | City |
|---|---|
| Administration (Main Office) | Paducah, KY |
| La Center | La Center, KY |
| Madisonville | Madisonville, KY |
| Marion | Marion, KY |
| Mayfield Office | Mayfield, KY |
| Morganfield | Morganfield, KY |
| Lone Oak | Paducah, KY |
| Southside | Paducah, KY |
| Village Square | Paducah, KY |
| Smithland | Smithland, KY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Kentucky
More federally-insured credit unions based in Kentucky, ordered by peer group match and asset size.
Other-state peers near C-PLANT
Two NCUA Call Report peer sets for C-PLANT, both outside Kentucky so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($350.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (84/100 here).
Using this data
- C-PLANT ranks #2,084 of 4,374 nationally on financial health and #25 of 54 in KY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Class Act is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Class Act
- Rates and health both vary by institution, not just by state -- see how Kentucky credit unions compare overall before assuming this one is typical. Kentucky state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is C-PLANT financially healthy?
C-PLANT has a financial health score of 84/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,084 of 4,374; by total assets it ranks #943 of 4,374 nationally (same basis as /rankings/largest); and #11 of 54 within Kentucky. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 14.64% and delinquency rate of 0.66%.
How does C-PLANT compare to other credit unions?
C-PLANT scores 84/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join C-PLANT?
C-PLANT operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact C-PLANT directly for the exact boundaries and application steps.
Is my money safe at C-PLANT?
Federal credit unions like C-PLANT are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. C-PLANT's net worth ratio of 14.64% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does C-PLANT offer compared to banks?
Credit unions like C-PLANT are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact C-PLANT directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.