Audubon
Owensboro, KY · Charter 11168 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$34.4MAssets
$18.0MLoans
$31.2MShares
$3.1MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 75% of credit unions under $1B in assets (rank 420 of 1681).
- Widest gap: equity / assets trails 90% of credit unions under $1B in assets (rank 1510 of 1683).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.78%
Rank 794 of 1,683
Net Interest Margin
4.01%
Rank 661 of 1,683
Efficiency Ratio
77.05%
Rank 782 of 1,682
Equity / Assets
8.97%
Rank 1,510 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.78% | 0.35% | 0.74% | 1.18% | Beats 53% | 794 / 1,683 | |
| Return on Equity | 8.74% | 2.67% | 5.89% | 8.74% | Beats 75% | 420 / 1,681 | |
| Net Interest Margin | 4.01% | 3.31% | 3.82% | 4.32% | Beats 61% | 661 / 1,683 | |
| Efficiency Ratio | 77.05% | 68.91% | 78.20% | 86.93% | Beats 54% | 782 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.00% | 0.26% | 0.65% | 1.29% | Beats 33% | 1,127 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 8.97% | 10.44% | 12.89% | 16.53% | Beats 10% | 1,510 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 8.97% | 10.44% | 12.89% | 16.53% | Beats 10% | 1,510 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 57.64% | 52.61% | 69.38% | 83.50% | 31st pctl | 1,153 / 1,683 | |
| Loans / Assets | 52.32% | 44.71% | 59.18% | 70.72% | 38th pctl | 1,048 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |