Audubon Federal Credit Union
Total assets
$34.8M
▲ +0.4% YoY
Shares & deposits
$31.7M
▼ -0.8% YoY
Loans
$17.8M
▼ -0.7% YoY
Members
2,567
▼ -0.7% YoY
ROA (annualized)
1.19%
peers 0.60%
ROE (annualized)
13.58%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.5% | +1.3% | -0.9 pts |
| Share growth (YoY) | -0.8% | +0.7% | -1.5 pts |
| Loan growth (YoY) | -0.7% | -2.4% | +1.6 pts |
| ROA | 1.19% | 0.60% | +0.6 pts |
| ROE | 13.6% | 4.1% | +9.5 pts |
ROA ranks in the 76th percentile of its peer group · Q1 2026
Profile
- Established
- 1956
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 3
- Address
- P O Box 1009, Owensboro, KY, 42302
- NCUA charter #
- 11168
- RSSD ID
- 677288
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $34.8M | $31.7M | $17.8M | $3.1M | $104K | 1.19% | 3.88% | 0.52% | 2,567 |
| Q4 2025 | $34.8M | $31.8M | $18.0M | $3.0M | $273K | 0.78% | 3.56% | 0.54% | 2,580 |
| Q3 2025 | $36.4M | $33.5M | $18.2M | $2.9M | $179K | 0.66% | 3.27% | 0.29% | 2,591 |
| Q2 2025 | $38.6M | $35.8M | $17.7M | $2.8M | $87K | 0.45% | 2.92% | 0.46% | 2,607 |
| Q1 2025 | $34.6M | $31.9M | $17.9M | $2.7M | $15K | 0.17% | 3.09% | 0.33% | 2,585 |
| Q4 2024 | $33.4M | $30.7M | $18.2M | $2.7M | $74K | 0.22% | 2.96% | 0.40% | 2,586 |
| Q3 2024 | $32.5M | $29.8M | $18.4M | $2.7M | $54K | 0.22% | 2.97% | 0.23% | 2,593 |
| Q2 2024 | $32.1M | $29.3M | $19.1M | $2.7M | $34K | 0.21% | 2.96% | 0.04% | 2,619 |
Loan mix (Q1 2026): real estate $3.3M · commercial $0 · consumer $14.1M · securities $9.1M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.19% | 0.60% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 13.6% | 4.1% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.88% | 3.83% | 53th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.1% | 81.5% | 35th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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