TellerScore

Green River Area Federal Credit Union is a federal credit union headquartered in Owensboro, Kentucky, in business for about 67 years. At the end of Q2 2026 it reported $60.3M in total assets and $47.7M in member shares and deposits, with 2 offices.

Based on its Q2 2026 filing, Green River Area Federal Credit Union scores 89/100, which we describe as very strong. That is higher than 87% of 2,479 credit unions with under $100 million in assets. Among 51 credit unions headquartered in Kentucky, it ranks 5th. Its strongest component is capital cushion (100/100; 20.74%), and its lowest is earnings (77/100; 1.43%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 20.74%
Loan quality82/100
Loans 60+ days delinquent ÷ total loans: 0.53%
Earnings77/100
Return on assets (annualized): 1.43%
Funding & liquidity88/100
Loans ÷ shares: 72.2% · 7.8% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.47%

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 fell 3 points (92 → 89), mostly because the loan quality component weakened by 14 points.

TellerScore
798693Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202486
Q3 202479
Q4 202486
Q1 202584
Q2 202592
Q3 202593
Q4 202590
Q1 202690
Q2 202689
Net worth ratio
7.00%13.91%20.82%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202419.42%
Q3 202420.16%
Q4 202420.45%
Q1 202520.33%
Q2 202519.85%
Q3 202520.46%
Q4 202520.82%
Q1 202620.44%
Q2 202620.74%
Delinquent loans (60+ days)
0.04%0.69%1.34%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.42%
Q3 20241.34%
Q4 20240.50%
Q1 20250.80%
Q2 20250.11%
Q3 20250.04%
Q4 20250.32%
Q1 20260.26%
Q2 20260.53%
Return on assets
1.07%1.28%1.48%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.07%
Q3 20241.20%
Q4 20241.20%
Q1 20251.22%
Q2 20251.37%
Q3 20251.45%
Q4 20251.48%
Q1 20261.36%
Q2 20261.43%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202689$60.3M20.74%0.53%1.43%72.2%
Q1 202690$60.1M20.44%0.26%1.36%73.8%
Q4 202590$58.0M20.82%0.32%1.48%76.0%
Q3 202593$57.9M20.46%0.04%1.45%75.5%
Q2 202592$58.6M19.85%0.11%1.37%74.5%
Q1 202584$56.0M20.33%0.80%1.22%76.7%
Q4 202486$54.9M20.45%0.50%1.20%78.5%
Q3 202479$54.9M20.16%1.34%1.20%79.1%
Q2 202486$55.9M19.42%0.42%1.07%75.8%

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 ratio20.74%
79th
Problem loans0.53%
57th
Net charge-offs0.25%
42nd
Return on assets1.43%
83rd
Loans to deposits72.2%
30th
Uninsured deposits7.8%
11th
Loan-loss reserves0.00%
37th
Texas ratio1.5%
59th

Similar-size credit unions in Kentucky

InstitutionScoreAssetsCapitalProblem loansCompare
Kemba Louisville Credit UnionCredit union Louisville, KY65 out of 100, Moderate$59.3M20.8%2.72%vs
Kue Federal Credit UnionCredit union Lexington, KY76 out of 100, Strong$56.1M14.9%1.65%vs
Morehead Community Federal Credit UnionCredit union Morehead, KY88 out of 100, Very strong$65.1M13.5%0.50%vs
Metro Plus Credit UnionCredit union Lexington, KY76 out of 100, Strong$50.9M13.1%0.40%vs
Louisville Gas and Electric Company Credit UnionCredit union Louisville, KY82 out of 100, Strong$50.4M15.5%0.87%vs
Beacon Community Credit UnionCredit union Louisville, KY72 out of 100, Strong$72.1M12.3%0.44%vs

Deposit insurance

Is my money safe at Green River Area Federal Credit Union?

Yes. Green River Area Federal Credit Union is a federally insured credit union (NCUA charter #12852). 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 7.8% of shares and deposits ($3.7M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 20.74%, well 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

Green River Area Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Green River Area Federal Credit Union
Type
Federal credit union
NCUA charter #
12852
RSSD ID
643881
Primary regulator
NCUA
Established
1959
Headquarters
3000 Highway 144, Owensboro, KY 42303
Employees
12

Quick answers

Green River Area Federal Credit Union: common questions

Is Green River Area Federal Credit Union NCUA insured?

Yes. Green River Area Federal Credit Union is a federally insured credit union (NCUA charter #12852). 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 Green River Area Federal Credit Union's TellerScore?

89 out of 100 (Very strong), 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 Green River Area Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Owensboro

InstitutionScoreAssetsCapitalProblem loansCompare
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
Heritage Federal Credit UnionCredit union Newburgh, IN77 out of 100, Strong$1.0B12.3%0.33%vs