TellerScore

Lake Chem Community Federal Credit Union is a federal credit union headquartered in Benton, Kentucky, in business for about 55 years. At the end of Q2 2026 it reported $95.9M in total assets and $86.0M in member shares and deposits, with 1 office.

Lake Chem Community Federal Credit Union has a TellerScore of 66 out of 100 (moderate) based on Q2 2026 data — higher than only 32% of its 2,479 credit unions with under $100 million in assets. Among 51 credit unions headquartered in Kentucky, it ranks 37th. Problem-loan coverage contributes the most (93/100, 3.5%); earnings contributes the least (45/100, 0.62%).

TellerScore · Q2 2026

Scorecard

Capital cushion51/100
Net worth ratio: 10.07%
Loan quality85/100
Loans 60+ days delinquent ÷ total loans: 0.46%
Earnings45/100
Return on assets (annualized): 0.62%
Funding & liquidity76/100
Loans ÷ shares: 84.7% · 7.3% uninsured
Problem-loan coverage93/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.50%

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

From Q2 2025 to Q2 2026, the score rose 10 points (56 → 66), mostly because the loan quality component improved by 22 points.

TellerScore
536169Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202465
Q3 202464
Q4 202463
Q1 202553
Q2 202556
Q3 202562
Q4 202564
Q1 202669
Q2 202666
Net worth ratio
7.00%8.54%10.07%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.82%
Q3 20248.92%
Q4 20248.89%
Q1 20258.96%
Q2 20259.21%
Q3 20259.62%
Q4 20259.71%
Q1 20269.76%
Q2 202610.07%
Delinquent loans (60+ days)
0.27%0.70%1.12%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.27%
Q3 20240.52%
Q4 20240.46%
Q1 20250.81%
Q2 20251.12%
Q3 20250.67%
Q4 20250.51%
Q1 20260.44%
Q2 20260.46%
Return on assets
-0.13%0.44%1.01%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.76%
Q3 20240.81%
Q4 20240.69%
Q1 2025-0.13%
Q2 20250.44%
Q3 20250.52%
Q4 20250.60%
Q1 20261.01%
Q2 20260.62%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$95.9M10.07%0.46%0.62%84.7%
Q1 202669$98.4M9.76%0.44%1.01%83.7%
Q4 202564$96.4M9.71%0.51%0.60%85.6%
Q3 202562$95.3M9.62%0.67%0.52%83.7%
Q2 202556$97.9M9.21%1.12%0.44%82.2%
Q1 202553$97.8M8.96%0.81%-0.13%83.7%
Q4 202463$99.0M8.89%0.46%0.69%83.1%
Q3 202464$97.8M8.92%0.52%0.81%83.2%
Q2 202465$96.3M8.82%0.27%0.76%82.3%

2,479 peers · Under $100 million in assets

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 ratio10.07%
17th
Problem loans0.46%
60th
Net charge-offs0.40%
32nd
Return on assets0.62%
48th
Loans to deposits84.7%
14th
Uninsured deposits7.3%
12th
Loan-loss reserves0.00%
37th
Texas ratio3.5%
39th

Similar-size credit unions in Kentucky

InstitutionScoreAssetsCapitalProblem loansCompare
Owensboro Federal Credit UnionCredit union Owensboro, KY88 out of 100, Very strong$88.3M14.2%0.26%vs
Greater Kentucky CU, Inc. Credit UnionCredit union Lexington, KY65 out of 100, Moderate$86.5M11.7%0.76%vs
Daviess County Teachers Federal Credit UnionCredit union Owensboro, KY82 out of 100, Strong$75.3M12.5%0.49%vs
Beacon Community Credit UnionCredit union Louisville, KY72 out of 100, Strong$72.1M12.3%0.44%vs
Morehead Community Federal Credit UnionCredit union Morehead, KY88 out of 100, Very strong$65.1M13.5%0.50%vs
Green River Area Federal Credit UnionCredit union Owensboro, KY89 out of 100, Very strong$60.3M20.7%0.53%vs

Deposit insurance

Is my money safe at Lake Chem Community Federal Credit Union?

Yes. Lake Chem Community Federal Credit Union is a federally insured credit union (NCUA charter #20641). 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 7.3% of shares and deposits ($6.3M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 10.07%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Lake Chem Community Federal Credit Union lists 1 office in 1 city. Most locations:

  • Calvert City, KY (1)

All branch addresses and map

Identity & history

Profile

Legal name
Lake Chem Community Federal Credit Union
Type
Federal credit union
NCUA charter #
20641
RSSD ID
920489
Primary regulator
NCUA
Established
1971
Headquarters
35 US Highway 68 E, Benton, KY 42025
Employees
22

Quick answers

Lake Chem Community Federal Credit Union: common questions

Is Lake Chem Community Federal Credit Union NCUA insured?

Yes. Lake Chem Community Federal Credit Union is a federally insured credit union (NCUA charter #20641). 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 Lake Chem Community Federal Credit Union's TellerScore?

66 out of 100 (Moderate), 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 Lake Chem Community Federal Credit Union have?

1 office as of the latest NCUA data.