TellerScore

Audubon Federal Credit Union is a federal credit union headquartered in Owensboro, Kentucky, in business for about 70 years. At the end of Q2 2026 it reported $34.4M in total assets and $31.2M in member shares and deposits, with 2 offices across 2 states.

Audubon Federal Credit Union has a TellerScore of 63 out of 100 (moderate) based on Q2 2026 data — higher than only 26% of its 2,479 credit unions with under $100 million in assets. Among 51 credit unions headquartered in Kentucky, it ranks 41st. Funding & liquidity contributes the most (100/100, 58% loans-to-deposits, 2% uninsured); capital cushion contributes the least (40/100, 8.97%).

TellerScore · Q2 2026

Scorecard

Capital cushion40/100
Net worth ratio: 8.97%
Loan quality67/100
Loans 60+ days delinquent ÷ total loans: 1.00%
Earnings51/100
Return on assets (annualized): 0.79%
Funding & liquidity100/100
Loans ÷ shares: 57.6% · 1.9% uninsured
Problem-loan coverage88/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.83%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 3 points (60 → 63), mostly because the capital cushion component improved by 18 points.

TellerScore
606570Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202465
Q3 202463
Q4 202461
Q1 202561
Q2 202560
Q3 202565
Q4 202566
Q1 202670
Q2 202663
Net worth ratio
7.00%7.99%8.97%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.38%
Q3 20248.33%
Q4 20248.10%
Q1 20257.86%
Q2 20257.23%
Q3 20257.93%
Q4 20258.49%
Q1 20268.79%
Q2 20268.97%
Delinquent loans (60+ days)
0.04%0.52%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.04%
Q3 20240.23%
Q4 20240.40%
Q1 20250.33%
Q2 20250.46%
Q3 20250.29%
Q4 20250.54%
Q1 20260.52%
Q2 20261.00%
Return on assets
0.17%0.68%1.19%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.21%
Q3 20240.22%
Q4 20240.22%
Q1 20250.17%
Q2 20250.45%
Q3 20250.66%
Q4 20250.78%
Q1 20261.19%
Q2 20260.79%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202663$34.4M8.97%1.00%0.79%57.6%
Q1 202670$34.8M8.79%0.52%1.19%56.3%
Q4 202566$34.8M8.49%0.54%0.78%56.7%
Q3 202565$36.4M7.93%0.29%0.66%54.3%
Q2 202560$38.6M7.23%0.46%0.45%49.6%
Q1 202561$34.6M7.86%0.33%0.17%56.2%
Q4 202461$33.4M8.10%0.40%0.22%59.4%
Q3 202463$32.5M8.33%0.23%0.22%61.7%
Q2 202465$32.1M8.38%0.04%0.21%65.0%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.97%
9th
Problem loans1.00%
39th
Net charge-offs0.21%
46th
Return on assets0.79%
57th
Loans to deposits57.6%
52nd
Uninsured deposits1.9%
46th
Loan-loss reserves0.00%
37th
Texas ratio5.8%
25th

Similar-size credit unions in Kentucky

InstitutionScoreAssetsCapitalProblem loansCompare
Louisville Federal Credit UnionCredit union Louisville, KY81 out of 100, Strong$37.2M20.1%0.84%vs
Whitesville Community Credit UnionCredit union Whitesville, KY76 out of 100, Strong$39.5M12.4%1.82%vs
Labor Management Federal Credit UnionCredit union Lewisport, KY70 out of 100, Strong$28.4M14.8%1.88%vs
Lexington Postal Community Credit UnionCredit union Lexington, KY68 out of 100, Moderate$27.2M9.5%0.22%vs
Northern Kentucky Federal Credit UnionCredit union Highland Height, KY91 out of 100, Very strong$43.1M14.0%0.29%vs
Your Hometown Federal Credit UnionCredit union Mayfield, KY47 out of 100, Below average$25.6M9.3%1.75%vs

Deposit insurance

Is my money safe at Audubon Federal Credit Union?

Yes. Audubon Federal Credit Union is a federally insured credit union (NCUA charter #11168). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 1.9% of shares and deposits ($582K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 8.97%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Audubon Federal Credit Union lists 2 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Audubon Federal Credit Union
Type
Federal credit union
NCUA charter #
11168
RSSD ID
677288
Primary regulator
NCUA
Established
1956
Headquarters
P O Box 1009, Owensboro, KY 42302
Employees
9

Quick answers

Audubon Federal Credit Union: common questions

Is Audubon Federal Credit Union NCUA insured?

Yes. Audubon Federal Credit Union is a federally insured credit union (NCUA charter #11168). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Audubon Federal Credit Union's TellerScore?

63 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Audubon Federal Credit Union have?

2 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Owensboro

InstitutionScoreAssetsCapitalProblem loansCompare
Green River Area Federal Credit UnionCredit union Owensboro, KY89 out of 100, Very strong$60.3M20.7%0.53%vs
Owensboro Federal Credit UnionCredit union Owensboro, KY88 out of 100, Very strong$88.3M14.2%0.26%vs
Commonwealth Community Bank, Inc.Bank Hartford, KY83 out of 100, Strong$157.7M14.7%0.24%vs
Daviess County Teachers Federal Credit UnionCredit union Owensboro, KY82 out of 100, Strong$75.3M12.5%0.49%vs
Freedom BankBank Huntingburg, IN82 out of 100, Strong$585.7M12.6%0.23%vs
Diamond Valley Federal Credit UnionCredit union Evansville, IN78 out of 100, Strong$178.8M12.9%0.72%vs