# C-PLANT
PADUCAH, KY · NCUA charter 7524 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/c-plant-7524

Who the members are: federal charter, community charter, organized 1951. 15,892 members of 245,041 potential (6.5% of the field); checking penetration 73% (share draft accounts per 100 members); loans per 100 members 41.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $363.3M |
| Members | 15,892 (-1.1% YoY) |
| Full-time staff | 40 |
| Net worth | $51.1M |
| Net worth ratio | 14.1% (p84 of band) |
| ROA (annualized) | 1.27% (p83 of band) |
| Total delinquency | 0.23% (p14 of band) |
| Net charge-offs (annualized) | 0.06% (p11 of band) |
| Loans / shares | 45% (p3 of band) |
| Cash / assets | 46.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.89% (p12 of band) |
| Operating expense / assets | 2.48% (p12 of band) |
| Vehicles % of loans | 55% (p85 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 26% |
| Third-party paper % of net worth | 38% (p37 of band) |
| Vehicle delinquency | 0.19% (p16 of band) |
| Vehicle NCO | 0.09% (p13 of band) |
| Repossessed % of vehicle book | 0.04% (p58 of band) |
| Real estate % of loans | 19% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 44% |
| Core shares % of member funds | 55% |
| Certificates % of member funds | 42% |
| Average share balance | $8,692 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $1.5M |
| Loans outstanding per 100 members | 41% |
| Loans granted per 100 members, annualized | 20% |
| Average loan balance | $21,523 |
| Loans granted, annualized | $72.6M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $1.5M outstanding purchased (2.9% of net worth), $0 sold and retained. Sold in 0 and bought in 3 of the last 8 quarters. Shares 8.2% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | delinquency rising |  |
| 2017-06 | 2 | loan book shrinking | delinquency rising |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 | delinquency rising | loan book shrinking |
| 2018-03 | 3 | delinquency 2x band |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 2 | assets shrinking | delinquency rising, delinquency 2x band |
| 2018-12 | 1 |  | assets shrinking |
| 2019-03 | 0 |  | 3rd-party paper>100% NW |
| 2019-06 | 2 | delinquency 2x band, members leaving |  |
| 2019-09 | 3 | delinquency rising |  |
| 2019-12 | 1 |  | delinquency 2x band, delinquency rising |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | net worth falling |  |
| 2020-09 | 2 | margin squeeze | members leaving |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | delinquency 2x band |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 2 |  | delinquency 2x band |
| 2021-12 | 2 | delinquency rising | margin squeeze |
| 2022-03 | 1 |  | delinquency rising |
| 2022-06 | 0 |  | net worth falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 1 | assets shrinking |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 0 |  | assets shrinking |
| 2023-12 | 0 |  |  |
| 2024-03 | 1 | net worth falling |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 | delinquency rising | net worth falling |
| 2025-03 | 0 |  | delinquency rising |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | net worth falling |  |

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

- 2026-07-06 [C-Plant Federal Credit Union settles overdraft fee class action lawsuit for $1.05 million: How to claim your share - Claim Depot](https://news.google.com/rss/articles/CBMifEFVX3lxTFBOVm9HNGRoeV9DRFA2UnVGZlU0c3lvQ1NaaHRIaHBXMUpEVUdybnNKdnljb1pnSXliRXlObUtPamZ0ZDE5WjdZbTRuM0UtSjVsWUprWVhRTWQzbjduT3NtaXVQMkJMVi1uRmc0LW5uYmFlMUpUaS1NNi05ZjM?oc=5) · Claim Depot
- 2022-10-06 [Local credit union liquidated, members try to figure out what to do with loans - WPSD Local 6](https://news.google.com/rss/articles/CBMi8AFBVV95cUxNbEk3X3c0YlZaMXh2VzB3UnkwVkhaWVFlZllSZXJOY2lDb3dpLVdxYXJTUUZKWUJROFJxYVU1WHc5R1hEV3Q5c0RsY201OUZCWm9GNUpMZHJNSmZUS3J4VHRxYnZ0SWctU1luR0VJYzNyRUZYSlhjdm9XcnFRNGVmZl9YR2pDRVV3UHBGVndpNzhQREVvcVZCUWRoaEpEY215ZUh4VzFWU21WdUNZc0I5dWlyUnloeUhkQ2diZ2lQX203RFFUS0hyejlxWW4wVEdqV3dUTXgwanB0b25CMzhENGxsa1pHVnItN1lVYzJPYjU?oc=5) · WPSD Local 6
- 2026-08-02 [Obituary information for Bill Hite - Milner & Orr Funeral Home](https://news.google.com/rss/articles/CBMicEFVX3lxTE5HY0VrQUM1ZmphdDRmbTRYS05jclQ2Uk5RTnIzMG95YXZtM3cwOU5DandJUUJuNnBWakhoT0JFWW5uVGg3UWtwMDRlWXIyalN1ZERiMzZDXzZybU5TWGpXWVFEWWduV1RnWkt3RHhrSEE?oc=5) · Milner & Orr Funeral Home
- 2026-02-28 [Jean Meadors - West Kentucky Star](https://news.google.com/rss/articles/CBMinAFBVV95cUxOaGlRSFdJRk5MOE4yQXM5UmpnY1VxUjhVTlVIeWpVdnZ2clFXTVpiUGVVQTllQzBaWnRnYzhxUWlYWnNvYnFPclRmVHJZRHZUbnBOQmJGNE4tMVhMZXZJdDQ4cTFNbkNNM2pic3Q2NGcyRHktSk83bEFpc3pwUWNidUdNNjBsSk5mX3VaaW9TZVFXVDROTnBMdWtOWVM?oc=5) · West Kentucky Star
- 2020-12-07 [Obituary information for Rev. Leland C. Hayden - Milner & Orr Funeral Home](https://news.google.com/rss/articles/CBMifkFVX3lxTE9uX0lOc0Q3VURtcHN0ajlWZ212UVZYeXFmUkJZTWczaGZLZHRVekNmV1hoWjFfdlpONFgzbDV6YzQzRV9YU29PZThWVExOLU9VMWFuOFUwWFVMY3VEa194eVdqaVBhYl9XWXNxOVNSYllVNzM5S3JVX0d5TXVyQQ?oc=5) · Milner & Orr Funeral Home
- 2023-11-04 [Carla Toy Obituary (2023) - Paducah, KY - The Paducah Sun - legacy.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOMnc2dGZyZ1Q3OXozYUlyaUxPVmozNzZIZGFpMlhra1JMTW93Q1B0bnlJcEJBWlZhbUw4cGFXY0NEbmFFMmxIRXl5S1NGcWlNcUhUSktxRU9UV3YyOUE0UTc5cTBIY3AwdkxPMG1IS3FCZFpuRFZEdWQtT2tnZGlzUHFIRllGbFpRcEww?oc=5) · legacy.com
- 2022-12-13 [Obituary information for Oakleigh Elizabeth Long - Milner & Orr Funeral Home](https://news.google.com/rss/articles/CBMigAFBVV95cUxNYVB5ZnJTcFlMVjF4UmdfVW9QVWdsTXlhdlFQSGU4MDZCamc2THctSmxGUWxkLTk2SVNmckd1WmJjTnhFSXBaMlFMMnJ5dHJzeHJnWU1LeWxDQVYxbGNkUmdMQUktbWxHOVBmSnQ5LVFudWw5MTlicHFPdlVwcGZ3dA?oc=5) · Milner & Orr Funeral Home
- 2021-12-06 [Obituary information for Gage Emanuel Buri - Milner & Orr Funeral Home](https://news.google.com/rss/articles/CBMid0FVX3lxTE1KYXV2eXM1emNGSHJsblg1Z1BPbjNVUXd0a3phOHJLbUxnYU9DS0J1S2k2Rjc5QzNlc2xwY2pkVVNqdzJoaVpULXltSzhfOWc5eFFYa0owbjcwczhoNXFidkdva0ZQd1pnRXdZYllqUkRYYk1GcElz?oc=5) · Milner & Orr Funeral Home

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=7524 (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/36.json (key "7524", 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=7524
- 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