BlastPoint's Credit Union Scorecard
LAKE CHEM COMMUNITY
Charter #20641 · KY
LAKE CHEM COMMUNITY has 7 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.87% above tier average
- + Strong member growth: 15.5% YoY
- + Total Loans: Top 0.2% in tier
- + Total Deposits: Top 0.2% in tier
- + Total Assets: Top 0.4% in tier
- + Total Members: Top 0.6% in tier
- + Member Growth Rate: Top 2.3% in tier
Key Concerns
Areas that may need attention
- - AMR Growth Rate: Bottom 3.9% in tier
- - Indirect Auto Concentration (%): Bottom 9.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,058
+15.5% YoY+0.1% QoQ
|
+9.4K |
2,676
+1.6% YoY
|
19,049
+8.0% YoY
|
33,913
+5.7% YoY
|
Top 0.7% in tier |
| Assets |
$98.4M
+0.6% YoY+2.1% QoQ
|
+$68.3M |
$30.2M
+1.3% YoY
|
$318.2M
+13.2% YoY
|
$578.3M
+9.0% YoY
|
Top 0.5% in tier |
| Loans |
$74.1M
-0.6% YoY-0.3% QoQ
|
+$58.8M |
$15.3M
-2.0% YoY
|
$224.2M
+14.2% YoY
|
$402.4M
+8.7% YoY
|
Top 0.2% in tier |
| Deposits |
$88.5M
-0.5% YoY+2.0% QoQ
|
+$62.8M |
$25.8M
+0.7% YoY
|
$268.6M
+13.0% YoY
|
$494.3M
+9.1% YoY
|
Top 0.3% in tier |
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| ROA |
1.0%
-868.7% YoY+67.1% QoQ
|
+0.9% |
0.1%
-77.6% YoY
|
-0.2%
-46.7% YoY
|
0.4%
-39.2% YoY
|
70% |
| NIM |
3.8%
+28.4% YoY+5.8% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
3.3%
-7.9% YoY
|
3.8%
+4.1% YoY
|
49% |
| Efficiency Ratio |
81.3%
-12.5% YoY-2.8% QoQ
|
-9.4% |
90.6%
+6.5% YoY
|
83.1%
-14.8% YoY
|
84.6%
+2.8% YoY
|
49% |
| Delinquency Rate |
0.4%
-45.0% YoY-13.4% QoQ
|
-1.1 |
1.5%
+3.8% YoY
|
0.9%
-11.3% YoY
|
1.2%
+3.4% YoY
|
41% |
| Loan To Share |
83.7%
-0.1% YoY-2.3% QoQ
|
+25.1% |
58.5%
-3.0% YoY
|
64.5%
+0.1% YoY
|
65.6%
-1.4% YoY
|
Top 14.5% in tier |
| AMR |
$13,485
-13.9% YoY+0.8% QoQ
|
$-1K |
$14,884
-1.7% YoY
|
$17,696
+5.9% YoY
|
$19,920
+1.6% YoY
|
48% |
| CD Concentration |
36.6%
-3.2% YoY-3.4% QoQ
|
+12.3% | 24.3% | 22.8% | 19.8% | 50% |
| Indirect Auto % |
6.8%
+13.1% YoY+2.6% QoQ
|
-7.0% | 13.8% | 7.7% | 7.7% | 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)