Daviess County Teachers

Owensboro, KY · 1 · Charter #20684 · www.dctfcu.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
$72.3M
23th percentile
Members
5,414
29th percentile
Total loans
$43.6M
33th percentile
Total shares
$63.3M
26th percentile

Profitability

Return on assets
1.82%
88th percentile
Net interest margin
4.02%
70th percentile
Efficiency ratio
52.64%
78th percentile
Non-interest income ratio
16.07%
44th percentile

Capital & Risk

Net worth ratio
12.25%
51th percentile
Delinquency rate
0.56%
60th percentile
Net charge-off rate
0.81%
15th percentile
Loan-to-share
68.83%
51th percentile

Growth

Member growth YoY
2.25%
81th percentile
Asset growth YoY
13.59%
95th percentile
Loan growth YoY
-3.52%
23th percentile
Share growth YoY
13.97%
94th percentile

Operations

Members / branch
5,414
86th percentile
Assets / member
$13,359
41th percentile
Field of membership penetration
67.67%
96th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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