Lake Chem Community

Benton, KY · 1 · Charter #20641 · www.lakechemfcu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$96.4M
43th percentile
Members
12,043
79th percentile
Total loans
$74.3M
61th percentile
Total shares
$86.8M
47th percentile

Profitability

Return on assets
0.75%
31th percentile
Net interest margin
3.58%
46th percentile
Efficiency ratio
59.74%
59th percentile
Non-interest income ratio
15.74%
42th percentile

Capital & Risk

Net worth ratio
9.71%
19th percentile
Delinquency rate
0.51%
64th percentile
Net charge-off rate
0.06%
90th percentile
Loan-to-share
85.63%
80th percentile

Growth

Member growth YoY
-13.08%
2th percentile
Asset growth YoY
-2.58%
8th percentile
Loan growth YoY
-0.82%
37th percentile
Share growth YoY
-1.57%
15th percentile

Operations

Members / branch
6,022
90th percentile
Assets / member
$8,007
5th percentile
Field of membership penetration
4.81%
45th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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