Owensboro

Owensboro, KY · 1 · Charter #8988 · www.ofcuonline.com
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$88.6M
37th percentile
Members
6,076
35th percentile
Total loans
$36.8M
22th percentile
Total shares
$75.9M
37th percentile

Profitability

Return on assets
1.41%
73th percentile
Net interest margin
3.46%
39th percentile
Efficiency ratio
59.69%
60th percentile
Non-interest income ratio
18.14%
55th percentile

Capital & Risk

Net worth ratio
13.64%
66th percentile
Delinquency rate
0.49%
66th percentile
Net charge-off rate
0.15%
76th percentile
Loan-to-share
48.43%
18th percentile

Growth

Member growth YoY
-2.32%
30th percentile
Asset growth YoY
9.65%
87th percentile
Loan growth YoY
-5.07%
17th percentile
Share growth YoY
9.89%
87th percentile

Operations

Members / branch
2,025
21th percentile
Assets / member
$14,581
51th percentile
Field of membership penetration
75.24%
97th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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