TellerScore

Headquartered in Owensboro, Kentucky, Owensboro Federal Credit Union is a federal credit union with $88.3M in total assets and $75.0M in member shares and deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1953.

Owensboro Federal Credit Union has a TellerScore of 88 out of 100 (very strong) based on Q2 2026 data — higher than 85% of its 2,479 credit unions with under $100 million in assets. Among 51 credit unions headquartered in Kentucky, it ranks 6th. Funding & liquidity contributes the most (100/100, 48% loans-to-deposits, 2% uninsured); earnings contributes the least (62/100, 1.05%).

TellerScore · Q2 2026

Scorecard

Capital cushion92/100
Net worth ratio: 14.21%
Loan quality91/100
Loans 60+ days delinquent ÷ total loans: 0.26%
Earnings62/100
Return on assets (annualized): 1.05%
Funding & liquidity100/100
Loans ÷ shares: 48.2% · 2.0% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.74%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (87 → 88).

TellerScore
828588Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202485
Q3 202482
Q4 202483
Q1 202587
Q2 202587
Q3 202588
Q4 202586
Q1 202685
Q2 202688
Net worth ratio
7.00%10.61%14.21%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.82%
Q3 202413.21%
Q4 202413.53%
Q1 202513.27%
Q2 202512.85%
Q3 202513.35%
Q4 202513.64%
Q1 202613.75%
Q2 202614.21%
Delinquent loans (60+ days)
0.21%0.49%0.77%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.25%
Q3 20240.77%
Q4 20240.73%
Q1 20250.23%
Q2 20250.21%
Q3 20250.25%
Q4 20250.49%
Q1 20260.41%
Q2 20260.26%
Return on assets
1.01%1.21%1.40%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.23%
Q3 20241.31%
Q4 20241.29%
Q1 20251.28%
Q2 20251.37%
Q3 20251.40%
Q4 20251.32%
Q1 20261.01%
Q2 20261.05%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202688$88.3M14.21%0.26%1.05%48.2%
Q1 202685$89.5M13.75%0.41%1.01%47.7%
Q4 202586$88.6M13.64%0.49%1.32%48.4%
Q3 202588$88.8M13.35%0.25%1.40%49.5%
Q2 202587$89.8M12.85%0.21%1.37%49.8%
Q1 202587$84.4M13.27%0.23%1.28%53.1%
Q4 202483$80.8M13.53%0.73%1.29%56.1%
Q3 202482$80.9M13.21%0.77%1.31%55.8%
Q2 202485$81.1M12.82%0.25%1.23%55.0%

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 ratio14.21%
49th
Problem loans0.26%
70th
Net charge-offs0.16%
52nd
Return on assets1.05%
70th
Loans to deposits48.2%
67th
Uninsured deposits2.0%
44th
Loan-loss reserves0.00%
37th
Texas ratio0.7%
71st

Similar-size credit unions in Kentucky

InstitutionScoreAssetsCapitalProblem loansCompare
Greater Kentucky CU, Inc. Credit UnionCredit union Lexington, KY65 out of 100, Moderate$86.5M11.7%0.76%vs
Lake Chem Community Federal Credit UnionCredit union Benton, KY66 out of 100, Moderate$95.9M10.1%0.46%vs
Daviess County Teachers Federal Credit UnionCredit union Owensboro, KY82 out of 100, Strong$75.3M12.5%0.49%vs
Beacon Community Credit UnionCredit union Louisville, KY72 out of 100, Strong$72.1M12.3%0.44%vs
Morehead Community Federal Credit UnionCredit union Morehead, KY88 out of 100, Very strong$65.1M13.5%0.50%vs
Green River Area Federal Credit UnionCredit union Owensboro, KY89 out of 100, Very strong$60.3M20.7%0.53%vs

Deposit insurance

Is my money safe at Owensboro Federal Credit Union?

Yes. Owensboro Federal Credit Union is a federally insured credit union (NCUA charter #8988). 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 2.0% of shares and deposits ($1.5M) 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 14.21%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Owensboro Federal Credit Union lists 3 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Owensboro Federal Credit Union
Type
Federal credit union
NCUA charter #
8988
RSSD ID
104980
Primary regulator
NCUA
Established
1953
Headquarters
717 Harvard Drive, Owensboro, KY 42301
Employees
18

Quick answers

Owensboro Federal Credit Union: common questions

Is Owensboro Federal Credit Union NCUA insured?

Yes. Owensboro Federal Credit Union is a federally insured credit union (NCUA charter #8988). 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 Owensboro Federal Credit Union's TellerScore?

88 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 Owensboro Federal Credit Union have?

3 offices as of the latest NCUA data.

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
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
Evansville Firefighters Federal Credit UnionCredit union Evansville, IN81 out of 100, Strong$33.8M12.4%0.00%vs
Diamond Valley Federal Credit UnionCredit union Evansville, IN78 out of 100, Strong$178.8M12.9%0.72%vs