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 Members: Top 0.5% in tier
- + Total Loans: Top 0.5% in tier
- + Total Deposits: Top 1.0% in tier
- + Total Assets: Top 1.6% in tier
- + AMR Growth Rate: Top 9.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.17% below tier average
- - Efficiency ratio 3.44% above tier (higher cost structure)
- - Member decline: -12.3% YoY
- - Member Growth Rate: Bottom 4.0% in tier
- - Share Certificate Concentration (%): Bottom 9.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,114
-12.3% YoY+14.8% QoQ
|
+9.5K |
2,625
-2.2% YoY
|
18,350
+6.5% YoY
|
33,089
+6.1% YoY
|
Top 0.5% in tier |
| Assets |
$95.3M
-2.5% YoY-2.6% QoQ
|
+$65.5M |
$29.9M
+1.1% YoY
|
$291.9M
+10.4% YoY
|
$547.7M
+7.8% YoY
|
Top 1.7% in tier |
| Loans |
$71.9M
-2.9% YoY-1.6% QoQ
|
+$56.1M |
$15.8M
-2.4% YoY
|
$208.5M
+10.3% YoY
|
$388.7M
+8.6% YoY
|
Top 0.5% in tier |
| Deposits |
$85.8M
-3.6% YoY-3.3% QoQ
|
+$60.4M |
$25.5M
+0.4% YoY
|
$245.3M
+10.3% YoY
|
$464.6M
+9.3% YoY
|
Top 1.0% in tier |
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| ROA |
0.5%
-36.7% YoY+18.4% QoQ
|
-0.2% |
0.7%
-731.4% YoY
|
0.2%
-216.5% YoY
|
0.7%
+273.4% YoY
|
37% |
| NIM |
3.4%
+2.4% YoY+5.9% QoQ
|
-0.5% |
3.9%
+3.8% YoY
|
3.6%
+4.6% YoY
|
3.7%
+5.0% YoY
|
32% |
| Efficiency Ratio |
84.8%
+7.8% YoY+1.4% QoQ
|
+3.4% |
81.4%
-2.4% YoY
|
85.0%
-21.4% YoY
|
79.1%
-3.3% YoY
|
67% |
| Delinquency Rate |
0.7%
+29.2% YoY-40.6% QoQ
|
-0.8 |
1.5%
-2.0% YoY
|
0.8%
-26.3% YoY
|
1.2%
-0.9% YoY
|
50% |
| Loan To Share |
83.7%
+0.7% YoY+1.8% QoQ
|
+22.5% |
61.2%
-3.0% YoY
|
65.5%
-4.4% YoY
|
68.0%
-1.7% YoY
|
82% |
| AMR |
$13,018
+10.3% YoY-15.1% QoQ
|
$-2K |
$14,627
-2.7% YoY
|
$16,917
+3.2% YoY
|
$19,418
+1.3% YoY
|
46% |
| CD Concentration |
37.7%
+3.2% YoY+1.2% QoQ
|
+13.3% |
24.4%
+4.2% YoY
|
22.1%
-0.3% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
6.8%
+26.6% YoY+4.3% QoQ
|
-7.2% |
14.0%
-5.7% YoY
|
7.8%
-3.4% YoY
|
7.9%
-2.9% YoY
|
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)