Federal credit union · Owensboro, Kentucky · NCUA charter #20684
Daviess County Teachers
Health score 96/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 96
- Health / 100
- $72.3M
- Total assets
- 5,414
- Members
- 12.0%
- Net-worth ratio
Daviess County Teachers scores 96/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $72.3M; members 5,414; net-worth ratio 12.03%; health rank #258 of 4,374; healthier than 93rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#258 of 4,374 health · 2025Q4Daviess County Teachers · health 96/100 · $72.3M · 2025Q4
Call Report peers
Daviess County Teachers in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Daviess County Teachers vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Daviess County Teachers sits in 95-99 with 391 others.
96 Top 7% higher than 93% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where Daviess County Teachers diverges from peer averages
- Strongest edge vs 584 $50M–$100M peers is Loan-to-Share Ratio: +6.23 pp (68.83% vs 62.60%).
- Net Worth Ratio trails the peer set - 12.03% here, 13.62% peer average (-1.59 pp).
Kentucky standing for Daviess County Teachers
- Health composite ranks #4 of 54 among scored Kentucky credit unions.
- Assets rank #22 of 54 inside Kentucky ($72.3M reported).
- Membership ranks #24 of 54 among Kentucky CUs with a reported count (5,414 members).
- One place up in Kentucky, Class Act (#3) scores 98/100, 2 points higher; one place down, L & N (#5) ties at 96/100.
Daviess County Teachers: 2025Q4 → 2026Q1
Daviess County Teachers: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.2% from $72.3M (2025Q4) to $75.4M (2026Q1).
- Net-worth ratio shifted -0.22 pp (12.25% → 12.03%).
At 12.03%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 96/100 score is built
Daviess County Teachers gives up 4 points in total. Member Growth costs the most, 3.3 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.4 pts
- Return on Assets 15.0 pts
- Member Growth 11.7 pts
- Loan-to-Share Ratio 14.9 pts
Call Report ratios for Daviess County Teachers
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.03% | -1.59 pp |
| Delinquency Rate | 0.56% | -0.40 pp |
| Return on Assets | 1.18% | +0.53 pp |
| Member Growth | 2.25% | - |
| Loan-to-Share Ratio | 68.83% | +6.23 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Daviess County Teachers quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $75.4M | - |
| 2025Q4 | $72.3M | 5,414 |
| 2024Q4 | $63.7M | 5,295 |
| 2023Q4 | $60.0M | 5,065 |
Credit Union Details
- Charter Number
- 20684
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Kentucky
- City
- Owensboro
- Data Quarter
- 2025Q4
Branch Locations (5)
The NCUA branch filing lists 5 physical offices for Daviess County Teachers, spread across 4 cities in 3 states.
| Office | City |
|---|---|
| Daviess County Teachers Federal Credit Union (Main Office) | Owensboro, KY |
| Baracuda Networks | Atlanta, GA |
| Share One | Memphis, TN |
| Share One - DedaSphere | Memphis, TN |
| Owensboro Federal Credit Union | OWENSBORO, KY |
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 Daviess County Teachers
Similar total assets
Using this data
- Daviess County Teachers ranks #258 of 4,374 nationally on financial health and #4 of 54 in KY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Beacon Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Beacon Community
Frequently Asked Questions
Is Daviess County Teachers financially healthy?
Daviess County Teachers has a financial health score of 96/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #258 of 4,374 nationally on health and #4 of 54 in Kentucky. Its net worth ratio is 12.03% and its delinquency rate 0.56%.
How does Daviess County Teachers compare to other credit unions?
Daviess County Teachers scores 96/100, higher than 93% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (68.83% vs 62.60%). Its widest shortfall is net worth ratio (12.03% vs 13.62%).
How can I join Daviess County Teachers?
Daviess County Teachers 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 Daviess County Teachers directly for the exact boundaries and application steps.
Is my money safe at Daviess County Teachers?
Daviess County Teachers 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. Daviess County Teachers's net worth ratio of 12.03% 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.