LAKE CHEM COMMUNITY
Charter #20641 · Benton, KY · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 12,058 ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 98th percentile but its structural peers at the 64th — a 34-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | LAKE CHEM COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $98.45M | 98th pct | 64th pct |
| Members | 12,058 | 98th pct | 79th pct |
| Net worth ratio | 9.76% | 18th pct | 31th pct |
| Return on average assets | 1.02% | 67th pct | 69th pct |
| Net interest margin | 3.84% | 56th pct | 52th pct |
| Cost of funds | 1.61% | 85th pct | 70th pct |
| Loan-to-share | 83.66% | 87th pct | 61th pct |
| Delinquency 60+ days | 0.44% | 40th pct | 38th pct |
| Net charge-off ratio | 0.19% | 43th pct | 48th pct |
| Loan growth YoY | 3.06% | 85th pct | 61th pct |
| Share growth YoY | 3.15% | 54th pct | 43th pct |
| Efficiency ratio | 81.27% | 55th pct | 56th pct |
structural peer set hash: 5c8b68452a6a6a445caf56d726a77816… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.