# LAKE CHEM COMMUNITY
Benton, KY · NCUA charter 20641 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/lake-chem-community-20641

Who the members are: federal charter, community charter, organized 1971. 12,058 members of 250,289 potential (4.8% of the field); checking penetration 31% (share draft accounts per 100 members); loans per 100 members 28.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $98.4M |
| Members | 12,058 (15.5% YoY) |
| Full-time staff | 22 |
| Net worth | $9.6M |
| Net worth ratio | 9.8% (p18 of band) |
| ROA (annualized) | 1.01% (p67 of band) |
| Total delinquency | 0.44% (p40 of band) |
| Net charge-offs (annualized) | 0.19% (p43 of band) |
| Loans / shares | 84% (p87 of band) |
| Cash / assets | 10.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.80% (p57 of band) |
| Operating expense / assets | 3.85% (p61 of band) |
| Vehicles % of loans | 45% (p55 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 15% |
| Third-party paper % of net worth | 52% (p76 of band) |
| Vehicle delinquency | 0.12% (p19 of band) |
| Vehicle NCO | 0.01% (p35 of band) |
| Repossessed % of vehicle book | 0.03% (p78 of band) |
| Real estate % of loans | 40% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 63% |
| Certificates % of member funds | 37% |
| Average share balance | $7,400 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 28% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $22,057 |
| Loans granted, annualized | $22.0M |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | losing money |  |
| 2017-06 | 0 |  | losing money |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 2 | net worth falling, delinquency rising |  |
| 2018-06 | 1 |  | net worth falling |
| 2018-09 | 1 |  |  |
| 2018-12 | 0 |  | delinquency rising |
| 2019-03 | 2 | thin capital, delinquency rising |  |
| 2019-06 | 1 |  | delinquency rising |
| 2019-09 | 0 |  | thin capital |
| 2019-12 | 1 | thin capital |  |
| 2020-03 | 2 | net worth falling |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 3 | margin squeeze |  |
| 2020-12 | 2 |  | net worth falling |
| 2021-03 | 2 |  |  |
| 2021-06 | 3 | net worth falling |  |
| 2021-09 | 2 |  | net worth falling |
| 2021-12 | 2 |  |  |
| 2022-03 | 4 | net worth falling, losing money, delinquency rising | margin squeeze |
| 2022-06 | 2 |  | net worth falling, losing money |
| 2022-09 | 2 |  |  |
| 2022-12 | 1 |  | delinquency rising |
| 2023-03 | 2 | assets shrinking |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 1 |  | assets shrinking |
| 2023-12 | 2 | delinquency rising |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 | net worth falling | delinquency rising |
| 2024-09 | 1 |  | net worth falling |
| 2024-12 | 1 |  |  |
| 2025-03 | 4 | losing money, margin squeeze, members leaving |  |
| 2025-06 | 2 | delinquency rising | thin capital, losing money, margin squeeze |
| 2025-09 | 1 |  | delinquency rising |
| 2025-12 | 1 |  |  |
| 2026-03 | 0 |  | members leaving |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-27 [Lake Chem Community Federal Credit Union wins first place for Excellence in Outreach at 2026 Kentucky Credit Union Annual Meeting - Tribune Courier](https://news.google.com/rss/articles/CBMiigJBVV95cUxNUVpEcDRnWThtZHA1RlNLZzQyZjZHQ1FudHkzeGZnRjI2bEJGLXBvWUxDTlYwNnlUdXRTY3ZTV2JfZUhhbW5WZEcyTDB2ZEt1WUZjejctWDliZ0xRUVpUUnZTSkZLNzNlT0lsR1BfbmhTY08tUl8zc0MzX2FQMTRrdDJhdGROaUdpcE5tNURlelgzdFh5Q3dYQzctVUJYOW90MEtlcENhdTJDdW90UUJGX1ptRllBZW5rTWJVaHJVbURvUUNTMFB0SDFndGpjYTRNRS1MdmtveDFWT3h2bUNfbkQycThuWTJyMzJfR3JFZ015d213VjkyOXFiRnNENmN6cEU2UlZkTm9BUQ?oc=5) · Tribune Courier
- 2025-12-12 [Lake Chem to close Murray branch Jan. 1 - Murray Ledger and Times](https://news.google.com/rss/articles/CBMivwFBVV95cUxPVkZ6YzIySllSX3JnNHF3Wi14dnI1dlI3eDhzUjJMVE1PYVFBLXVoZjQ5Mm11cGRfeHBoREE5UUFpRmJVSm9XM2dIMnEtZVN6SGhWVzIyOWRicjQ3dE80ODd5TmRfZlNiU0QwVjgtNGl0Y3NaQ1REVjN3OFM1VHowMnJGWlRyV0dwZXgtTFlteTFtU2VxZ092S3I5R2wxTFdUdkZLUF84Umh3RGhUVTRXcERYakFvWGpWdnZfaWVvQQ?oc=5) · Murray Ledger and Times
- 2026-05-04 [Obituary information for William "Will" Victor Andrews - Milner & Orr Funeral Home](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQSEVhQVNlYkFBYlNOYVoweGJ2QjJQS0U3WGVZN09vcmJRcFo4TlJNZ1dSMlBrbWZjSkd6Ym51QVRjWkRYc2dsekloRFFYaE9aSVNRaHVVUnpNenBGbS1TVlF4T1RQYUIzN2xXMTY4SC1sS0NFWHZ6SjJreGNNbjI5SXk5M3FPTlhX?oc=5) · Milner & Orr Funeral Home
- 2026-01-08 [The Best Savings Accounts in Kentucky for 2026 - moneyrates.com](https://news.google.com/rss/articles/CBMieEFVX3lxTFBreXZWUEhfUnAtYjJEcko0bXpfVlFnZjd6RGFLWEhGWlJqOWRDSTlvQnB5OFFOSXoxRTRPVU05VHpUREVCMTVvcTZpZUt0SGpiSEhndjJzYWh6VmRBc3l3dnhwSE9pZ3dzTzlRcXB1WDV4dy15YzRrZA?oc=5) · moneyrates.com
- 2025-10-14 [Rebecca Albritton - West Kentucky Star](https://news.google.com/rss/articles/CBMiogFBVV95cUxNa2M2YTA2X2I0b2d6TzN3TWxrY0ppY2NlRzBKbXJmU1dneGFRdnVQMjJTUjJ6b2hDWVA1T1Z0SjUtSWpqRkdQSnFVN284TEdsZWloNjVvSERhdFVoSDNpMTAtMWJyNDh0WHk3bGdEeTdkbGs5OHZTWTgtSFlaSHB5OGo1N003RDJndnhyel82RUYtRlVleXY1YW9PMDZPWkI2Wnc?oc=5) · West Kentucky Star
- 2016-02-26 [New details about Jennifer Hicks’ death - WPSD Local 6](https://news.google.com/rss/articles/CBMivAFBVV95cUxPMmhDMjg2ekgtVk1MY2N2U3BYTGtFQjBhckYxN3lDbFVTQzRTVG5MbU91akZXWXFwT2M3RDkzaHM0S2pjcGcxcUt5Wko2ZWpKLVlXcFJka3F5NWw4ZWVYdmJxdnJEek1NNU5GZV9STURVSVFkdlY3SGozN21DXzUxMllaa2xtbmxUeW5ZaU80U3dLLWhYYnBUanlhTnU1X1lGZjQtbER6ZUs2bnV4Ynl5RjVGckpBVmhKY2JnWg?oc=5) · WPSD Local 6
- 2015-08-21 [Funeral arrangements made for 4 victims of boating accident - KFVS12](https://news.google.com/rss/articles/CBMinwFBVV95cUxNMzc0VG1Kb29QakZMVHNIWG16VGtBS1Y5RTNMbGNnV2dpcUpLWV9tYWplNUdMRldQb1pXWThkX1hCLWh1UW9mMGNncUxSM3IydHFyMEpiU2M4MnllN2pmU0hoM3dLdThWRVVHYUhERTZjUGxCbm1rc1R6SEV3MjF2ZjczakNRTGUyX0psb2lNUlg3ZXdKWEY4azNNcE5jUUHSAbIBQVVfeXFMTU5tWFhRVFpfWk5NSUhlTXJjaVM3RHdtYXlHVEZFa3UzbEgxb3N6RE1PalEzZkg5SEdkampxazM4bXFkM2M3TG9PNDgtekgtSWpYeTc1N0w3TTctLUQ1TDF2d0xWUTJCbjVONE1oRV9XYko5YkxUZlNUUERJUnVIa0NjR281WldwZm5RYk92M1U3cXpJOE9RRks5ZG9aajVEc0hKMmwyY09HNFhmZHRfY1E2QQ?oc=5) · KFVS12
- 2015-04-03 [Easter Egg hunts in our area - WPSD Local 6](https://news.google.com/rss/articles/CBMirwFBVV95cUxNaVBISmZVWE5JUU1rSm9Pc3NlV29IbEZxa3N6NmRMc2tpVjhYdmxxeWp4blpraV9qYldWOGdkQU1mZVVRdjlyN0tsblVrakk5ZGZ4ZExWRXNaekxpMWdoQUQ0cDF2aklEM29veG52S0JrT3BhdG50MTRHY1BBY1Q5UW1STTk3YV9YOHpjQ0lJVEM0MFJfUFBpUjhnWTFxRFJzWW44cmlpR196OFplY2xz?oc=5) · WPSD Local 6

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=20641 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/33.json (key "20641", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=20641
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide