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
Call Report peers
C-PLANT in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); C-PLANT sits in 80-84 with 767 others.
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
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).
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.
- One place up in Kentucky, F.C.I. Ashland (#24) ties at 84/100; one place down, Greater Kentucky Cu, Inc. (#26) ties at 84/100.
Quarter path for C-PLANT
C-PLANT: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.5% from $350.9M (2025Q4) to $363.3M (2026Q1).
- Net-worth ratio shifted +0.04 pp (14.60% → 14.64%).
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
C-PLANT gives up 16 points in total. Member Growth costs the most, 9.8 of its 15; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is C-PLANT financially healthy?
On its 2025Q4 NCUA 5300 filing, C-PLANT scores 84/100 (Excellent), with a 14.64% net worth ratio and 0.66% of loans delinquent. It ranks #2,084 of 4,374 nationally on health and #25 of 54 in Kentucky.
How does C-PLANT compare to other credit unions?
C-PLANT scores 84/100, higher than 50% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (14.64% vs 12.11%). Its widest shortfall is loan-to-share ratio (46.35% vs 72.20%).
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?
C-PLANT is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.