AUDUBON
Charter #11168 · Owensboro, KY · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.79% sits at the 11th percentile of structural peers — worth a closer look.
- Return on average assets of 1.19% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 65th percentile but its structural peers at the 46th — a 19-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | AUDUBON | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $34.80M | 72th pct | 70th pct |
| Members | 2,567 | 65th pct | 46th pct |
| Net worth ratio | 8.79% | 9th pct | 11th pct |
| Return on average assets | 1.19% | 76th pct | 80th pct |
| Net interest margin | 3.88% | 51th pct | 43th pct |
| Cost of funds | 0.88% | 52th pct | 62th pct |
| Loan-to-share | 56.30% | 49th pct | 57th pct |
| Delinquency 60+ days | 0.52% | 46th pct | 46th pct |
| Net charge-off ratio | 0.41% | 68th pct | 59th pct |
| Loan growth YoY | -1.91% | 54th pct | 51th pct |
| Share growth YoY | -5.39% | 3th pct | 8th pct |
| Efficiency ratio | 75.08% | 38th pct | 26th pct |
structural peer set hash: c2f7550b098cf206259bdaea03a75138… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.