Federal credit union · Owensboro, Kentucky · NCUA charter #20684
Daviess County Teachers
Health score 96/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 96
- Health / 100
- $72.3M
- Total assets
- 5,414
- Members
- 11.6%
- Net-worth ratio
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.
Daviess County Teachers - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)98
- Earnings (ROA)100
- Member growth78
- Liquidity (loan-to-share)98
Weighted composite: 96/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 11.61%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 11.61% | 30% |
| Delinquency Rate | 0.56% | 25% |
| Return on Assets | 1.18% | 15% |
| Member Growth | 2.25% | 15% |
| Loan-to-Share Ratio | 68.83% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Daviess County Teachers
Charter #20684, peer group $50M–$100M, a cohort of 584 similarly-sized institutions: that's Daviess County Teachers, a federal credit union in Owensboro, Kentucky with 5,414 members, $72.3M in total assets, and $43.6M in outstanding loans as of Q4 2025. The five-factor composite scores it 96/100 (Excellent), helped by a net worth ratio of 11.61% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Two more numbers round out the picture: a 0.56% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running tighter than peers - and a 68.83% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 1.18% on net income of $856K 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 2.25%. 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 Daviess County Teachers financially healthy?
A 11.61% 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. 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 11.61% 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.
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.