Federal credit union · Owensboro, Kentucky · NCUA charter #11168
Audubon
Health score 73/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 73
- Health / 100
- $34.8M
- Total assets
- 2,580
- Members
- 6.3%
- Net-worth ratio
Audubon - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #11168: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Audubon - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)58
- Asset quality (delinquency)98
- Earnings (ROA)71
- Member growth57
- Liquidity (loan-to-share)80
Weighted composite: 73/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
6.31% net worth is short of the NCUA's 7.0% well-capitalized bar for this institution.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 6.31% | 30% |
| Delinquency Rate | 0.54% | 25% |
| Return on Assets | 0.21% | 15% |
| Member Growth | -0.23% | 15% |
| Loan-to-Share Ratio | 56.72% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Audubon
Audubon is a federal credit union headquartered in Owensboro, Kentucky, serving 2,580 members with $34.8M in total assets and $18.0M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 73/100 (Very Good), anchored by a net worth ratio of 6.31% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #11168 operates under peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
0.54% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Deposit deployment is captured by the 56.72% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.21% on net income of $74K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -0.23%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Community) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Kentucky
More federally-insured credit unions based in Kentucky, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Audubon financially healthy?
A 6.31% net worth ratio and a 0.54% delinquency rate feed into Audubon's financial health score of 73/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Audubon compare to other credit unions?
On PlainCU's health composite, Audubon lands at 73/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like Audubon are 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 6.31% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Audubon offer compared to banks?
Credit unions like Audubon are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Audubon directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.