Lake Chem Community
Benton, KY · Charter 20641 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$95.9MAssets
$72.9MLoans
$86.0MShares
$9.7MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 62% of credit unions under $1B in assets (rank 640 of 1682).
- Widest gap: equity / assets trails 79% of credit unions under $1B in assets (rank 1328 of 1683).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.62%
Rank 983 of 1,683
Net Interest Margin
3.88%
Rank 787 of 1,683
Efficiency Ratio
81.49%
Rank 1,008 of 1,682
Equity / Assets
10.07%
Rank 1,328 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.62% | 0.35% | 0.74% | 1.18% | Beats 42% | 983 / 1,683 | |
| Return on Equity | 6.19% | 2.67% | 5.89% | 8.74% | Beats 53% | 785 / 1,681 | |
| Net Interest Margin | 3.88% | 3.31% | 3.82% | 4.32% | Beats 53% | 787 / 1,683 | |
| Efficiency Ratio | 81.49% | 68.91% | 78.20% | 86.93% | Beats 40% | 1,008 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.46% | 0.26% | 0.65% | 1.29% | Beats 62% | 640 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.07% | 10.44% | 12.89% | 16.53% | Beats 21% | 1,328 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.07% | 10.44% | 12.89% | 16.53% | Beats 21% | 1,328 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 84.73% | 52.61% | 69.38% | 83.50% | 77th pctl | 382 / 1,683 | |
| Loans / Assets | 76.01% | 44.71% | 59.18% | 70.72% | 85th pctl | 249 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |