Side-by-side · Q2 2026 data
Lake Chem Community Federal Credit Union vs Beacon Community Credit Union
Credit union
Lake Chem Community Federal Credit Union
Benton, Kentucky · Under $100 million in assets
Metric by metric
| Measure | Lake Chem Community Federal Credit Union | Beacon Community Credit Union |
|---|---|---|
| TellerScore | 66 | 72 (stronger) |
| Capital cushion | 51 | 73 (stronger) |
| Loan quality | 85 | 85 |
| Earnings | 45 (stronger) | 21 |
| Funding & liquidity | 76 | 100 (stronger) |
| Problem-loan coverage | 93 | 97 (stronger) |
| Peer percentile | 32nd | 44th |
| Total assets | $95.9M | $72.1M |
| Deposits / shares | $86.0M | $62.9M |
| Capital ratio | 10.07% | 12.29% (stronger) |
| Problem loans | 0.46% | 0.44% (stronger) |
| Net charge-offs | 0.40% (stronger) | 1.63% |
| Return on assets | 0.62% (stronger) | 0.03% |
| Loans ÷ deposits | 84.7% | 46.2% (stronger) |
| Uninsured deposits | 7.3% | 3.9% (stronger) |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Beacon Community Credit Union has the higher TellerScore (72 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Lake Chem Community Federal Credit Union leads on 2 and Beacon Community Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.