Owensboro, Kentucky · Peer group 4
Owensboro Credit Union
Owensboro Credit Union holds $89.5M in assets across 6,071 members as of Q1 2026 — about $15K of assets per member, on a charter dating to 1953. Charter number 8988, in the $50M-$100M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $89.5M |
|---|---|
| Total loans | $36.4M |
| Total shares (deposits) | $76.3M |
| Net worth | $12.3M |
| Members | 6,071 |
| Assets per member | $15K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 6.1% | |
|---|---|---|
| Loans | -5.1% | around the 24th percentile of its peer group |
| Deposits | 5.6% | around the 78th percentile of its peer group |
| Members | -2.3% | around the 37th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 47.7% | around the 26th percentile of its peer group |
|---|---|---|
| Net worth ratio | 13.8% | around the 60th percentile of its peer group |
| Return on assets | 1.01% | around the 67th percentile of its peer group |
| Delinquency ratio | 0.41% | around the 38th percentile of its peer group |
| Cash / assets | 26.4% | higher than 94% of its peer group |
| Borrowings / assets | 0.0% | around the 47th percentile of its peer group |
What this page does not show
Everything above is Owensboro Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Kentucky — the comparison set a peer ratio is measured against.
- Greater Kentucky CU, Inc.
LEXINGTON, KY
$85.5M · 9,295 members
- Lake Chem Community Credit Union
Benton, KY
$98.4M · 12,058 members
- Cove Credit Union
Edgewood, KY
$78.8M · 6,390 members
- Daviess County Teachers Credit Union
Owensboro, KY
$75.4M · 5,432 members
- Beacon Community Credit Union
Louisville, KY
$70.7M · 8,909 members
- Morehead Community Credit Union
Morehead, KY
$64.0M · 4,442 members
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