Owensboro
Owensboro, KY · Charter 8988 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
$88.3MAssets
$36.1MLoans
$75.0MShares
$12.5MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 76% of credit unions under $1B in assets (rank 411 of 1682).
- Widest gap: net interest margin trails 72% of credit unions under $1B in assets (rank 1211 of 1683).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.05%
Rank 541 of 1,683
Net Interest Margin
3.39%
Rank 1,211 of 1,683
Efficiency Ratio
73.23%
Rank 600 of 1,682
Equity / Assets
14.21%
Rank 640 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.05% | 0.35% | 0.74% | 1.18% | Beats 68% | 541 / 1,683 | | |
| Return on Equity | 7.41% | 2.67% | 5.89% | 8.74% | Beats 65% | 595 / 1,681 | | |
| Net Interest Margin | 3.39% | 3.31% | 3.82% | 4.32% | Beats 28% | 1,211 / 1,683 | | |
| Efficiency Ratio | 73.23% | 68.91% | 78.20% | 86.93% | Beats 64% | 600 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.25% | 0.26% | 0.65% | 1.29% | Beats 76% | 411 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.21% | 10.44% | 12.89% | 16.53% | Beats 62% | 640 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 14.21% | 10.44% | 12.89% | 16.53% | Beats 62% | 640 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 48.15% | 52.61% | 69.38% | 83.50% | 20th pctl | 1,350 / 1,683 | | |
| Loans / Assets | 40.93% | 44.71% | 59.18% | 70.72% | 20th pctl | 1,339 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |