Lake Chem Community
Lake Chem Community is a credit union based in Benton, Kentucky, established in 1971, with $98 million in total assets serving 12,058 members. By Trust Grade it ranks 36th of 52 credit unions we track in Kentucky. Its net worth ratio of 9.8% trails most similarly sized credit unions (15th percentile), versus a Kentucky median of 12.8%. It was profitable over the most recent period, with a 1.01% return on assets. No consumer complaints against Lake Chem Community appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Lake Chem Community compares to Kentucky peers
How we graded Lake Chem Community
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (9.8% capital ratio)
- Strongly profitable (ROA 1.01%)
- No CFPB complaints on record
The Trust Grade is Bankzia’s independent, documented opinion computed from public FDIC/NCUA/CFPB data — not an official rating, and not a statement about the safety of insured deposits. Report a data error or dispute this grade →
Consumer complaints (CFPB)
No CFPB complaints are on file for Lake Chem Community over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Lake Chem Community insured?
Yes. Lake Chem Community is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Lake Chem Community: frequently asked questions
Is Lake Chem Community a good credit union?
Lake Chem Community earns a Bankzia Trust Grade of A (90/100, "Excellent"), based on a financial-strength score of 90/100 (it has no CFPB complaints on record). Well-capitalized (9.8% capital ratio); Strongly profitable (ROA 1.01%).
Is Lake Chem Community NCUA-insured?
Yes. Lake Chem Community is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Lake Chem Community?
Lake Chem Community holds $98 million in total assets, ranking 36th of 52 credit unions we track in Kentucky. It serves 12,058 members.
Does Lake Chem Community have CFPB complaints?
No CFPB complaints against Lake Chem Community appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
