Daviess County Teachers
Owensboro, KY · Charter 20684 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$75.3MAssets
$44.4MLoans
$65.8MShares
$9.4MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 88% of credit unions under $1B in assets (rank 198 of 1681).
- Widest gap: equity / assets trails 54% of credit unions under $1B in assets (rank 915 of 1683).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
1.39%
Rank 297 of 1,683
Net Interest Margin
4.03%
Rank 653 of 1,683
Efficiency Ratio
65.47%
Rank 308 of 1,682
Equity / Assets
12.47%
Rank 915 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.39% | 0.35% | 0.74% | 1.18% | Beats 82% | 297 / 1,683 | |
| Return on Equity | 11.12% | 2.67% | 5.89% | 8.74% | Beats 88% | 198 / 1,681 | |
| Net Interest Margin | 4.03% | 3.31% | 3.82% | 4.32% | Beats 61% | 653 / 1,683 | |
| Efficiency Ratio | 65.47% | 68.91% | 78.20% | 86.93% | Beats 82% | 308 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.49% | 0.26% | 0.65% | 1.29% | Beats 60% | 682 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.47% | 10.44% | 12.89% | 16.53% | Beats 46% | 915 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.47% | 10.44% | 12.89% | 16.53% | Beats 46% | 915 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 67.42% | 52.61% | 69.38% | 83.50% | 46th pctl | 908 / 1,683 | |
| Loans / Assets | 58.89% | 44.71% | 59.18% | 70.72% | 49th pctl | 853 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |