Federal credit union · Owensboro, Kentucky · NCUA charter #8988
OWENSBORO
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $88.6M
- Total assets
- 6,076
- Members
- 13.8%
- Net-worth ratio
OWENSBORO scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $88.6M; members 6,076; net-worth ratio 13.75%; health rank #1,939 of 4,374; healthier than 54th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,939 of 4,374 health · 2025Q4OWENSBORO · health 85/100 · $88.6M · 2025Q4
Call Report peers
OWENSBORO in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
OWENSBORO vs every NCUA-scored credit union
OWENSBORO sits in the busiest band, 85-89, alongside 857 other credit unions.
85 Top 46% higher than 54% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
OWENSBORO: Call Report deltas vs peers
- Largest favorable gap: Return on Assets at 1.18% vs peer 0.66% (+0.52 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -14.17 pp (48.43% vs 62.60%).
Kentucky standing for OWENSBORO
- In Kentucky, health place is #22 of 54 on the same NCUA-ratio sort used nationally.
- Kentucky assets place: #19 of 54.
- Membership ranks #23 of 54 among Kentucky CUs with a reported count (6,076 members).
- One place up in Kentucky, ADVANZ (#21) ties at 85/100; one place down, COMMONWEALTH (#23) ties at 85/100.
How OWENSBORO's 5300 filing moved
OWENSBORO: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.1% from $88.6M (2025Q4) to $89.5M (2026Q1).
- Net-worth ratio shifted +0.11 pp (13.64% → 13.75%).
At 13.75%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 85/100 score is built
OWENSBORO gives up 15 points in total. Member Growth costs the most, 10.2 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 4.8 pts
- Loan-to-Share Ratio 10.2 pts
Call Report ratios for OWENSBORO
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.75% | +0.13 pp |
| Delinquency Rate | 0.49% | -0.47 pp |
| Return on Assets | 1.18% | +0.52 pp |
| Member Growth | -2.32% | - |
| Loan-to-Share Ratio | 48.43% | -14.17 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $89.5M | - |
| 2025Q4 | $88.6M | 6,076 |
| 2024Q4 | $80.8M | 6,220 |
| 2023Q4 | $78.6M | 6,318 |
Credit Union Details
- Charter Number
- 8988
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $50M–$100M
- State
- Kentucky
- City
- Owensboro
- Data Quarter
- 2025Q4
Branch Locations (4)
The NCUA branch filing lists 4 physical offices for OWENSBORO, spread across 3 cities in 2 states.
| Office | City |
|---|---|
| Owensboro Federal Credit Union (Main Office) | Owensboro, KY |
| Owensboro Federal Credit Union | Madisonville, KY |
| Share One, Inc. | Memphis, TN |
| Owensboro Federal Credit Union | Owensboro, KY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Kentucky
A look at other Kentucky credit unions, ranked by how closely their peer group and asset size match this one.
OWENSBORO nationwide neighbourhoods
Similar total assets
Using this data
- OWENSBORO ranks #1,939 of 4,374 nationally on financial health and #22 of 54 in KY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Greater Kentucky Cu, Inc. is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Greater Kentucky Cu, Inc.
Frequently Asked Questions
Is OWENSBORO financially healthy?
OWENSBORO has a financial health score of 85/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,939 of 4,374 nationally on health and #22 of 54 in Kentucky. Its net worth ratio is 13.75% and its delinquency rate 0.49%.
How does OWENSBORO compare to other credit unions?
OWENSBORO scores 85/100, higher than 54% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is return on assets (1.18% vs 0.66%). Its widest shortfall is loan-to-share ratio (48.43% vs 62.60%).
How can I join OWENSBORO?
OWENSBORO serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact OWENSBORO directly for the current list of qualifying groups.
Is my money safe at OWENSBORO?
OWENSBORO 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. OWENSBORO's net worth ratio of 13.75% 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.