TellerScore

Headquartered in Paducah, Kentucky, C-Plant Federal Credit Union is a federal credit union with $365.9M in total assets and $310.0M in member shares and deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1951.

Based on its Q2 2026 filing, C-Plant Federal Credit Union scores 92/100, which we describe as very strong. That is higher than 97% of 1,341 credit unions with $100 million – $1 billion. Among 51 credit unions headquartered in Kentucky, it ranks 2nd. Its strongest component is funding & liquidity (100/100; 47% loans-to-deposits, 8% uninsured), and its lowest is earnings (72/100; 1.31%).

TellerScore · Q2 2026

Scorecard

Capital cushion97/100
Net worth ratio: 14.71%
Loan quality95/100
Loans 60+ days delinquent ÷ total loans: 0.16%
Earnings72/100
Return on assets (annualized): 1.31%
Funding & liquidity100/100
Loans ÷ shares: 46.8% · 8.5% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.50%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (91 → 92).

TellerScore
869093Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202491
Q3 202491
Q4 202488
Q1 202593
Q2 202591
Q3 202590
Q4 202586
Q1 202691
Q2 202692
Net worth ratio
7.00%11.16%15.32%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202415.32%
Q3 202415.03%
Q4 202414.73%
Q1 202514.73%
Q2 202514.73%
Q3 202514.87%
Q4 202514.60%
Q1 202614.64%
Q2 202614.71%
Delinquent loans (60+ days)
0.16%0.41%0.66%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.39%
Q3 20240.36%
Q4 20240.51%
Q1 20250.27%
Q2 20250.36%
Q3 20250.43%
Q4 20250.66%
Q1 20260.23%
Q2 20260.16%
Return on assets
1.16%1.33%1.49%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.35%
Q3 20241.33%
Q4 20241.23%
Q1 20251.49%
Q2 20251.32%
Q3 20251.28%
Q4 20251.16%
Q1 20261.27%
Q2 20261.31%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202692$365.9M14.71%0.16%1.31%46.8%
Q1 202691$363.3M14.64%0.23%1.27%45.0%
Q4 202586$350.9M14.60%0.66%1.16%46.3%
Q3 202590$344.2M14.87%0.43%1.28%46.4%
Q2 202591$338.9M14.73%0.36%1.32%46.1%
Q1 202593$334.9M14.73%0.27%1.49%47.1%
Q4 202488$328.1M14.73%0.51%1.23%48.7%
Q3 202491$328.0M15.03%0.36%1.33%49.9%
Q2 202491$312.0M15.32%0.39%1.35%53.2%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio14.71%
84th
Problem loans0.16%
92nd
Net charge-offs0.06%
90th
Return on assets1.31%
83rd
Loans to deposits46.8%
92nd
Uninsured deposits8.5%
25th
Loan-loss reserves0.00%
50th
Texas ratio0.5%
94th

Similar-size credit unions in Kentucky

InstitutionScoreAssetsCapitalProblem loansCompare
Class Act Federal Credit UnionCredit union Louisville, KY71 out of 100, Strong$365.0M10.8%0.62%vs
Signet Federal Credit UnionCredit union Paducah, KY82 out of 100, Strong$398.2M16.6%1.07%vs
Ashland Credit UnionCredit union Ashland, KY62 out of 100, Moderate$411.8M12.3%1.29%vs
Members Choice Credit UnionCredit union Ashland, KY59 out of 100, Moderate$430.8M8.4%0.76%vs
Service One Credit UnionCredit union Bowling Green, KY53 out of 100, Below average$269.1M9.5%1.40%vs
Autotruck Financial Credit UnionCredit union Louisville, KY72 out of 100, Strong$220.4M13.1%1.22%vs

Deposit insurance

Is my money safe at C-Plant Federal Credit Union?

Yes. C-Plant Federal Credit Union is a federally insured credit union (NCUA charter #7524). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 8.5% of shares and deposits ($26.2M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 14.71%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

C-Plant Federal Credit Union lists 3 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
C-Plant Federal Credit Union
Type
Federal credit union
NCUA charter #
7524
RSSD ID
441180
Primary regulator
NCUA
Established
1951
Headquarters
P.O. Box 9250, Paducah, KY 42002
Employees
42

Quick answers

C-Plant Federal Credit Union: common questions

Is C-Plant Federal Credit Union NCUA insured?

Yes. C-Plant Federal Credit Union is a federally insured credit union (NCUA charter #7524). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is C-Plant Federal Credit Union's TellerScore?

92 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does C-Plant Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Paducah

InstitutionScoreAssetsCapitalProblem loansCompare
Shawnee TVA Employees Federal Credit UnionCredit union West Paducah, KY90 out of 100, Very strong$6.6M22.6%0.00%vs
Signet Federal Credit UnionCredit union Paducah, KY82 out of 100, Strong$398.2M16.6%1.07%vs
The Paducah Bank and Trust CompanyBank Paducah, KY79 out of 100, Strong$1.1B10.6%0.19%vs
Citizens Deposit Bank of Arlington, Inc.Bank Arlington, KY77 out of 100, Strong$348.2M13.7%0.94%vs
Farmers Bank and Trust CompanyBank Marion, KY74 out of 100, Strong$794.0M9.2%0.23%vs
W B H Employees Federal Credit UnionCredit union Paducah, KY73 out of 100, Strong$17.6M13.0%0.05%vs