BlastPoint's Credit Union Scorecard
LAKE CHEM COMMUNITY
Charter #20641 · KY
LAKE CHEM COMMUNITY has 6 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 14.1% YoY
- + Total Loans: Top 0.3% in tier
- + Total Deposits: Top 0.6% in tier
- + Total Members: Top 0.7% in tier
- + Total Assets: Top 1.2% in tier
- + Member Growth Rate: Top 3.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.88% below tier average
- - AMR Growth Rate: Bottom 4.5% in tier
- - Share Certificate Concentration (%): Bottom 9.8% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 34 that size in Kentucky.
- Shares and deposits -3.1% year over year ($86.0M in shares and deposits).
- Membership: 12,043 members, +14.1% vs a year ago.
- Delinquency rate 0.46%.
- Return on assets 0.62%.
- Efficiency ratio 81.53% vs a 88.77% peer average.
- Loan-to-share ratio 84.73% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,043
+14.1% YoY-0.1% QoQ
|
+9.5K |
2,585
-1.7% YoY
|
19,704
+8.5% YoY
|
34,678
+6.6% YoY
|
Top 0.8% in tier |
| Assets |
$95.9M
-2.0% YoY-2.6% QoQ
|
+$65.6M |
$30.3M
+1.5% YoY
|
$329.2M
+13.7% YoY
|
$593.1M
+10.2% YoY
|
Top 1.3% in tier |
| Loans |
$72.9M
-0.1% YoY-1.6% QoQ
|
+$57.4M |
$15.5M
-1.7% YoY
|
$234.8M
+15.2% YoY
|
$418.6M
+10.1% YoY
|
Top 0.4% in tier |
| Deposits |
$86.0M
-3.1% YoY-2.8% QoQ
|
+$60.2M |
$25.8M
+1.1% YoY
|
$276.9M
+13.5% YoY
|
$504.8M
+10.3% YoY
|
Top 0.7% in tier |
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| ROA |
0.6%
+40.8% YoY-39.2% QoQ
|
-0.9% |
1.5%
+241.5% YoY
|
1.2%
+141.8% YoY
|
1.2%
+121.4% YoY
|
38% |
| NIM |
3.8%
+17.6% YoY+0.6% QoQ
|
-0.1% |
3.9%
+0.9% YoY
|
3.7%
+2.3% YoY
|
3.8%
+2.3% YoY
|
48% |
| Efficiency Ratio |
81.5%
-2.5% YoY+0.3% QoQ
|
-7.2% |
88.8%
-6.9% YoY
|
83.2%
+1.5% YoY
|
83.0%
-5.3% YoY
|
52% |
| Delinquency Rate |
0.5%
-58.8% YoY+4.5% QoQ
|
-1.1 |
1.5%
+2.1% YoY
|
1.1%
+18.9% YoY
|
1.3%
+2.6% YoY
|
40% |
| Loan To Share |
84.7%
+3.0% YoY+1.3% QoQ
|
+25.8% |
58.9%
-3.1% YoY
|
64.3%
-0.2% YoY
|
66.4%
-1.4% YoY
|
Top 14.5% in tier |
| AMR |
$13,198
-13.9% YoY-2.1% QoQ
|
$-2K |
$14,963
-6.8% YoY
|
$17,761
+5.3% YoY
|
$20,028
-0.9% YoY
|
46% |
| CD Concentration |
37.3%
+0.0% YoY+1.9% QoQ
|
+12.7% | 24.6% | 23.1% | 20.0% | 50% |
| Indirect Auto % |
7.0%
+7.9% YoY+4.1% QoQ
|
-6.6% | 13.6% | 7.6% | 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)