DAVIESS COUNTY TEACHERS
Charter #20684 · Owensboro, KY · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 5,432 sits at the 20th percentile of structural peers — worth a closer look.
- Efficiency ratio of 62.76% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 56th percentile but its structural peers at the 20th — a 37-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 | DAVIESS COUNTY TEACHERS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $75.38M | 59th pct | 41th pct |
| Members | 5,432 | 56th pct | 20th pct |
| Net worth ratio | 12.03% | 42th pct | 51th pct |
| Return on average assets | 1.13% | 71th pct | 69th pct |
| Net interest margin | 4.07% | 71th pct | 59th pct |
| Cost of funds | 1.15% | 63th pct | 62th pct |
| Loan-to-share | 66.55% | 60th pct | 49th pct |
| Delinquency 60+ days | 0.65% | 52th pct | 48th pct |
| Net charge-off ratio | 0.75% | 83th pct | 74th pct |
| Loan growth YoY | -0.21% | 62th pct | 57th pct |
| Share growth YoY | 1.97% | 40th pct | 25th pct |
| Efficiency ratio | 62.76% | 14th pct | 8th pct |
structural peer set hash: 9b71693b72d037e1a71b97f69e454d4c… (reproducible)
Closest structural peers
This is the free public view
Claim DAVIESS COUNTY TEACHERS
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.