Federal credit union · Benton, Kentucky · NCUA charter #20641
Lake Chem Community
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $96.4M
- Total assets
- 12,043
- Members
- 9.8%
- Net-worth ratio
Lake Chem Community scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $96.4M; members 12,043; net-worth ratio 9.76%; health rank #2,162 of 4,374; healthier than 50th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,162 of 4,374 health · 2025Q4Lake Chem Community · health 84/100 · $96.4M · 2025Q4
- BOOK 84/100
- CHARTER 9.8%
- NCUSIF 0.51%
- CAMELS 0.71%
- HEALTH $96.4M
- NW 12,043
- DELQ #2,162/4,374
- ROA Community First
- ASSETS 20641
Call Report peers
Lake Chem Community in the assets neighbourhood
Lake Chem Community's $96.4M assets sit next to Community First ($96.4M) 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.
Lake Chem Community 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
Lake Chem Community - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #20641 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Lake Chem Community vs $50M–$100M peers
- Largest favorable gap: Loan-to-Share Ratio at 85.63% vs peer 62.60% (+23.03 pp).
- Largest lag: Net Worth Ratio at 9.76% vs peer 13.62% (-3.86 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Lake Chem Community in Kentucky
- In Kentucky, health place is #28 of 54 on the same NCUA-ratio sort used nationally.
- Assets rank #18 of 54 inside Kentucky ($96.4M reported).
- Membership ranks #16 of 54 among Kentucky CUs with a reported count (12,043 members).
In-state ordinals use the live credit_unions table for KY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Lake Chem Community Call Report trajectory
Lake Chem Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.1% from $96.4M (2025Q4) to $98.4M (2026Q1).
- Net-worth ratio shifted +0.05 pp (9.71% → 9.76%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 9.76%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA 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 29.4 pts
- Delinquency Rate 24.9 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 14.7 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.76% | -3.86 pp |
| Delinquency Rate | 0.51% | -0.45 pp |
| Return on Assets | 0.71% | +0.05 pp |
| Member Growth | -13.08% | - |
| Loan-to-Share Ratio | 85.63% | +23.03 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Lake Chem Community quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $98.4M | - |
| 2025Q4 | $96.4M | 12,043 |
| 2024Q4 | $99.0M | 13,855 |
| 2023Q4 | $90.4M | 13,626 |
Credit Union Details
- Charter Number
- 20641
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Kentucky
- City
- Benton
- Data Quarter
- 2025Q4
Branch Locations (2)
Lake Chem Community operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Lake Chem Community FCU (Main Office) | Benton, KY |
| Lake Chem Community FCU | Calvert City, 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.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for Lake Chem Community, 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 ($96.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (84/100 here).
Using this data
- Lake Chem Community ranks #2,162 of 4,374 nationally on financial health and #28 of 54 in KY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- OWENSBORO is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with OWENSBORO
- 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 Lake Chem Community financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Lake Chem Community carries a financial health score of 84/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,162 of 4,374; by total assets it ranks #1,854 of 4,374 nationally (same basis as /rankings/largest); and #18 of 54 within Kentucky. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 9.76% net worth ratio and a 0.51% delinquency rate.
How does Lake Chem Community compare to other credit unions?
Five weighted metrics from NCUA filings produce Lake Chem Community's 84/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Lake Chem Community?
Lake Chem Community 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 Lake Chem Community directly for the exact boundaries and application steps.
Is my money safe at Lake Chem Community?
Federal credit unions like Lake Chem Community 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. Lake Chem Community's net worth ratio of 9.76% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Lake Chem Community offer compared to banks?
Credit unions like Lake Chem Community 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 Lake Chem Community 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.