BlastPoint's Credit Union Scorecard
LAKE CHEM COMMUNITY
Charter #20641 · KY
LAKE CHEM COMMUNITY has 5 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Loans: Top 0.4% in tier
- + Total Members: Top 0.5% in tier
- + Total Deposits: Top 0.6% in tier
- + Total Assets: Top 1.4% in tier
- + AMR Growth Rate: Top 6.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.02% below tier average
- - Efficiency ratio 1.05% above tier (higher cost structure)
- - Member decline: -13.1% YoY
- - Member Growth Rate: Bottom 3.5% in tier
- - Share Certificate Concentration (%): Bottom 9.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,043
-13.1% YoY-0.6% QoQ
|
+9.4K |
2,615
-1.9% YoY
|
18,352
+6.1% YoY
|
33,374
+5.7% YoY
|
Top 0.5% in tier |
| Assets |
$96.4M
-2.6% YoY+1.1% QoQ
|
+$66.3M |
$30.1M
+2.1% YoY
|
$297.6M
+11.0% YoY
|
$561.6M
+9.7% YoY
|
Top 1.4% in tier |
| Loans |
$74.3M
-0.8% YoY+3.4% QoQ
|
+$58.6M |
$15.8M
-1.3% YoY
|
$214.0M
+12.0% YoY
|
$397.0M
+8.8% YoY
|
Top 0.4% in tier |
| Deposits |
$86.8M
-3.7% YoY+1.1% QoQ
|
+$61.1M |
$25.7M
+1.4% YoY
|
$249.6M
+10.9% YoY
|
$477.3M
+9.7% YoY
|
Top 0.7% in tier |
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| ROA |
0.6%
-13.0% YoY+17.1% QoQ
|
-0.0% |
0.6%
+10.8% YoY
|
0.3%
-193.7% YoY
|
0.7%
+15.9% YoY
|
46% |
| NIM |
3.6%
+9.1% YoY+4.4% QoQ
|
-0.4% |
4.0%
+4.0% YoY
|
3.7%
-0.4% YoY
|
3.8%
+5.1% YoY
|
38% |
| Efficiency Ratio |
83.6%
+4.3% YoY-1.4% QoQ
|
+1.0% |
82.6%
-2.3% YoY
|
85.5%
-17.8% YoY
|
79.7%
-3.3% YoY
|
60% |
| Delinquency Rate |
0.5%
+12.5% YoY-23.3% QoQ
|
-1.0 |
1.6%
-3.1% YoY
|
1.1%
-5.8% YoY
|
1.3%
-2.1% YoY
|
42% |
| Loan To Share |
85.6%
+3.0% YoY+2.3% QoQ
|
+25.0% |
60.6%
-3.1% YoY
|
65.9%
-3.9% YoY
|
67.4%
-1.7% YoY
|
Top 14.6% in tier |
| AMR |
$13,377
+12.3% YoY+2.8% QoQ
|
$-1K |
$14,783
-1.4% YoY
|
$17,204
+6.4% YoY
|
$19,687
+2.0% YoY
|
48% |
| CD Concentration |
37.9%
+1.5% YoY+0.4% QoQ
|
+13.5% | 24.4% | 22.4% | 19.8% | 50% |
| Indirect Auto % |
6.6%
+20.8% YoY-3.1% QoQ
|
-7.2% | 13.8% | 7.7% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)