Audubon

Owensboro, KY · 1 · Charter #11168 · www.audubonfcu.net
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$34.8M
84th percentile
Members
2,580
78th percentile
Total loans
$18.0M
85th percentile
Total shares
$31.5M
87th percentile

Profitability

Return on assets
0.90%
54th percentile
Net interest margin
3.56%
35th percentile
Efficiency ratio
64.71%
54th percentile
Non-interest income ratio
17.28%
76th percentile

Capital & Risk

Net worth ratio
8.49%
7th percentile
Delinquency rate
0.54%
56th percentile
Net charge-off rate
0.20%
51th percentile
Loan-to-share
57.17%
46th percentile

Growth

Member growth YoY
-0.23%
64th percentile
Asset growth YoY
4.13%
69th percentile
Loan growth YoY
-1.09%
58th percentile
Share growth YoY
4.42%
72th percentile

Operations

Members / branch
2,580
88th percentile
Assets / member
$13,492
79th percentile
Field of membership penetration
51.60%
68th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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