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
- CAMELS 96/100
- HEALTH 12.0%
- NW 0.56%
- DELQ 1.18%
- ROA $72.3M
- ASSETS 5,414
- MEM #258/4,374
- RANK ALTAMAHA
- PHOTO 20684
Call Report peers
Daviess County Teachers in the assets neighbourhood
Daviess County Teachers's $72.3M assets sit next to ALTAMAHA ($72.4M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
96 Top 7% higher than 93% 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
Daviess County Teachers - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #20684: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for KY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Daviess County Teachers: 2025Q4 → 2026Q1
Daviess County Teachers: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.2% from $72.3M (2025Q4) to $75.4M (2026Q1).
- Net-worth ratio shifted -0.22 pp (12.25% → 12.03%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 96.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
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
Cross-state asset and health neighbours for Daviess County Teachers - kept outside Kentucky; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($72.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (96/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Kentucky credit unions compare overall before assuming this one is typical. Kentucky state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Daviess County Teachers financially healthy?
A 12.03% net worth ratio and a 0.56% delinquency rate feed into Daviess County Teachers's financial health score of 96/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #258 of 4,374; by total assets it ranks #2,113 of 4,374 nationally (same basis as /rankings/largest); and #22 of 54 within Kentucky. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Daviess County Teachers compare to other credit unions?
On PlainCU's health composite, Daviess County Teachers lands at 96/100, compared to a peer group average for $50M–$100M 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 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?
Federal credit unions like Daviess County Teachers 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. Daviess County Teachers's net worth ratio of 12.03% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Daviess County Teachers offer compared to banks?
Credit unions like Daviess County Teachers 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 Daviess County Teachers directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
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.