Side-by-side · Q2 2026 data
Owensboro Federal Credit Union vs Lake Chem Community Federal Credit Union
Credit union
Owensboro Federal Credit Union
Owensboro, Kentucky · Under $100 million in assets
Credit union
Lake Chem Community Federal Credit Union
Benton, Kentucky · Under $100 million in assets
Metric by metric
| Measure | Owensboro Federal Credit Union | Lake Chem Community Federal Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 66 |
| Capital cushion | 92 (stronger) | 51 |
| Loan quality | 91 (stronger) | 85 |
| Earnings | 62 (stronger) | 45 |
| Funding & liquidity | 100 (stronger) | 76 |
| Problem-loan coverage | 99 (stronger) | 93 |
| Peer percentile | 85th | 32nd |
| Total assets | $88.3M | $95.9M |
| Deposits / shares | $75.0M | $86.0M |
| Capital ratio | 14.21% (stronger) | 10.07% |
| Problem loans | 0.26% (stronger) | 0.46% |
| Net charge-offs | 0.16% (stronger) | 0.40% |
| Return on assets | 1.05% (stronger) | 0.62% |
| Loans ÷ deposits | 48.2% (stronger) | 84.7% |
| Uninsured deposits | 2.0% (stronger) | 7.3% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Owensboro Federal Credit Union has the higher TellerScore (88 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Owensboro Federal Credit Union leads on 7 and Lake Chem Community Federal Credit Union on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.