Federal credit union · Owensboro, Kentucky · NCUA charter #11168
AUDUBON
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $34.8M
- Total assets
- 2,580
- Members
- 8.8%
- Net-worth ratio
AUDUBON scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $34.8M; members 2,580; net-worth ratio 8.79%; health rank #2,345 of 4,374; healthier than 46th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,345 of 4,374 health · 2025Q4AUDUBON · health 83/100 · $34.8M · 2025Q4
Call Report peers
AUDUBON in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
AUDUBON vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); AUDUBON sits in 80-84 with 767 others.
83 46th percentile higher than 46% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for AUDUBON
- Strongest edge vs 1163 $10M–$50M peers is Delinquency Rate: -0.61 pp (0.54% vs 1.15%).
- Widest shortfall vs peers is Net Worth Ratio: -6.07 pp (8.79% vs 14.86%).
Where AUDUBON sits in Kentucky
- In Kentucky, health place is #29 of 54 on the same NCUA-ratio sort used nationally.
- Assets rank #31 of 54 inside Kentucky ($34.8M reported).
- Membership ranks #34 of 54 among Kentucky CUs with a reported count (2,580 members).
- One place up in Kentucky, Lake Chem Community (#28) scores 84/100, 1 point higher; one place down, PARK (#30) scores 81/100, 2 points lower.
How AUDUBON's 5300 filing moved
AUDUBON: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.0% from $34.8M (2025Q4) to $34.8M (2026Q1).
- Net-worth ratio shifted +0.30 pp (8.49% → 8.79%).
8.79% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 83/100 score is built
AUDUBON gives up 17 points in total. Member Growth costs the most, 6.4 of its 15; Delinquency Rate loses the least, 0.4.
- Net Worth Ratio 27.0 pts
- Delinquency Rate 24.6 pts
- Return on Assets 10.7 pts
- Member Growth 8.6 pts
- Loan-to-Share Ratio 12.1 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.79% | -6.07 pp |
| Delinquency Rate | 0.54% | -0.61 pp |
| Return on Assets | 0.21% | -0.49 pp |
| Member Growth | -0.23% | - |
| Loan-to-Share Ratio | 56.72% | -3.08 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - AUDUBON
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $34.8M | - |
| 2025Q4 | $34.8M | 2,580 |
| 2024Q4 | $33.4M | 2,586 |
| 2023Q4 | $30.2M | 2,566 |
Credit Union Details
- Charter Number
- 11168
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Kentucky
- City
- Owensboro
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for AUDUBON, spread across 2 cities in 2 states.
| Office | City |
|---|---|
| Main Office (Main Office) | Owensboro, KY |
| Commercial Business Systems (CBS) | Goldsboro, NC |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Kentucky
More federally-insured credit unions based in Kentucky, ordered by peer group match and asset size.
Other-state peers near AUDUBON
Using this data
- AUDUBON ranks #2,345 of 4,374 nationally on financial health and #29 of 54 in KY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Rural Cooperatives is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Rural Cooperatives
Frequently Asked Questions
Is AUDUBON financially healthy?
AUDUBON has a financial health score of 83/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,345 of 4,374 nationally on health and #29 of 54 in Kentucky. Its net worth ratio is 8.79% and its delinquency rate 0.54%.
How does AUDUBON compare to other credit unions?
AUDUBON scores 83/100, higher than 46% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.54% vs 1.15%). Its widest shortfall is net worth ratio (8.79% vs 14.86%).
How can I join AUDUBON?
AUDUBON operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact AUDUBON directly for the exact boundaries and application steps.
Is my money safe at AUDUBON?
AUDUBON is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. AUDUBON's net worth ratio of 8.79% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.