OWENSBORO
Charter #8988 · Owensboro, KY · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- On Loan-to-share, the asset-size band puts this credit union at the 26th percentile but its structural peers at the 41st — a 15-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 | OWENSBORO | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $89.53M | 83th pct | 70th pct |
| Members | 6,071 | 67th pct | 66th pct |
| Net worth ratio | 13.75% | 60th pct | 69th pct |
| Return on average assets | 1.02% | 67th pct | 64th pct |
| Net interest margin | 3.32% | 30th pct | 39th pct |
| Cost of funds | 0.70% | 35th pct | 34th pct |
| Loan-to-share | 47.71% | 26th pct | 41th pct |
| Delinquency 60+ days | 0.41% | 38th pct | 52th pct |
| Net charge-off ratio | 0.14% | 38th pct | 44th pct |
| Loan growth YoY | -3.54% | 31th pct | 21th pct |
| Share growth YoY | 0.17% | 19th pct | 11th pct |
| Efficiency ratio | 73.22% | 32th pct | 33th pct |
structural peer set hash: 86b29a84e4eadb468861a7eb591bb253… (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.