# AUDUBON
Owensboro, KY · NCUA charter 11168 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/audubon-11168

Who the members are: federal charter, community charter, organized 1956, low-income designated. 2,567 members of 5,000 potential (51.3% of the field); checking penetration 59% (share draft accounts per 100 members); loans per 100 members 64.

**Verdict on the desk:** this could be *auto monoline*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $34.8M |
| Members | 2,567 (-0.7% YoY) |
| Full-time staff | 7 |
| Net worth | $3.1M |
| Net worth ratio | 8.8% (p9 of band) |
| ROA (annualized) | 1.19% (p77 of band) |
| Total delinquency | 0.52% (p45 of band) |
| Net charge-offs (annualized) | 0.41% (p73 of band) |
| Loans / shares | 56% (p48 of band) |
| Cash / assets | 45.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.88% (p50 of band) |
| Operating expense / assets | 3.64% (p50 of band) |
| Vehicles % of loans | 72% (p69 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 26% |
| Third-party paper % of net worth | 109% (p97 of band) |
| Vehicle delinquency | 0.34% (p45 of band) |
| Vehicle NCO | 0.59% (p82 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 18% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 66% |
| Certificates % of member funds | 20% |
| Average share balance | $4,783 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 64% |
| Loans granted per 100 members, annualized | 21% |
| Average loan balance | $10,852 |
| Loans granted, annualized | $7.6M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **delinquency rising** (`aq_dq_rising`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | delinquency rising |  |
| 2017-06 | 1 | 3rd-party paper>100% NW | delinquency rising |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | delinquency rising |  |
| 2018-03 | 2 | losing money | delinquency rising |
| 2018-06 | 1 |  | losing money |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | delinquency rising |  |
| 2019-06 | 2 | net worth falling | delinquency rising |
| 2019-09 | 2 | delinquency rising | net worth falling |
| 2019-12 | 1 |  | delinquency rising |
| 2020-03 | 2 | delinquency rising |  |
| 2020-06 | 4 | thin capital, net worth falling |  |
| 2020-09 | 3 | margin squeeze | delinquency rising, net worth falling |
| 2020-12 | 3 |  |  |
| 2021-03 | 5 | net worth falling, losing money |  |
| 2021-06 | 2 |  | margin squeeze, net worth falling, losing money |
| 2021-09 | 2 |  |  |
| 2021-12 | 3 | auto monoline |  |
| 2022-03 | 4 | delinquency rising |  |
| 2022-06 | 3 |  | delinquency rising |
| 2022-09 | 3 |  |  |
| 2022-12 | 4 | delinquency rising |  |
| 2023-03 | 4 | losing money | delinquency rising |
| 2023-06 | 5 | delinquency rising, assets shrinking | losing money |
| 2023-09 | 5 |  |  |
| 2023-12 | 4 |  | assets shrinking |
| 2024-03 | 4 | net worth falling | delinquency rising |
| 2024-06 | 3 |  | net worth falling |
| 2024-09 | 3 |  |  |
| 2024-12 | 4 | net worth falling |  |
| 2025-03 | 5 | delinquency rising |  |
| 2025-06 | 5 |  |  |
| 2025-09 | 3 |  | net worth falling, delinquency rising |
| 2025-12 | 3 |  |  |
| 2026-03 | 4 | delinquency rising |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-03-27 [The Kentucky State Police's 'Cover the Cruiser' Event Returns to Owensboro - WBKR 92.5](https://news.google.com/rss/articles/CBMiWkFVX3lxTE0tc2lpZkVhcnB6MGU1MXFiQzdUWHJUS0llNjVBM205czV2OUhrTHRzbnRnbmxveEg4b0Z6TngwTl8zTFNkaHdHNm51TFRyZV9GYThNZWhlZGRrUQ?oc=5) · WBKR 92.5
- 2026-04-16 [‘Cover the Cruiser’ returns to Madisonville and Owensboro - 14 News](https://news.google.com/rss/articles/CBMikgFBVV95cUxONTdBMHVkbnBMSmE3WmtKOGoxY0h3ek80QlB3OEFMQjhYVFozTVBMVGs5V2VZM0h4U0tLSE9YTkdaa1pYWXBPOGM2YUJyN3E2VkYtLXlCV0podEI3dWFUR0VzenZBVERWWkl4MTFEVEJQS2Yza2ZxaVhhYkNIdzF5czRBUmxyQmZnLVlFeFRNa1FCdw?oc=5) · 14 News
- 2025-04-11 [KSP’s Cover the Cruiser to support Special Olympics Kentucky - WNKY](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQSzZCRnJKcFRiVWJxX1o0eW9pSzFhZmNURTVmeUxRU0w0ZWN5T1psMFNPV2RDcE50OVZWaFhaZWgzeW1HMDgwSF9JZUlxc3BSSFhZTFh0MEJMbUpWQ01peTFva0JGRTEzX2pld2VHakpXZHI0OWlaWGR0dzQ4Q2UtUklMdFdkYTN0?oc=5) · WNKY
- 2025-01-06 [Updated List: Weather-related closings, cancellations for Owensboro - The Owensboro Times](https://news.google.com/rss/articles/CBMirwFBVV95cUxONk1HWEpINDVCeDloWDFEMEUwOGRQZ0pkbXc2bjZpZG8yTHFxczZ2eG1mdkxjc2ItLTVJRmQzUjhESldFN09ZOUZ5eDZRUlNkcXROdHZadVZzbk1YUUxyTXhXWFd1cGI4Zjl5NGxCU3M1RG1VWkxUNXJpYXlIV2NoVTZiaW53S2YxYTVZZmlsYjkzZ1pPUnFWSGF4MHkwd3R2d1ZjeDBJa2FZTUZvSWhj?oc=5) · The Owensboro Times
- 2026-03-27 [Spring Festivals in Louisville - Louisville Family Fun](https://news.google.com/rss/articles/CBMibkFVX3lxTE1teC1zWmh1czRpLTJwdDBqWDZKSU1HTTk5WndOMV8wb180NnMxTlFqd0l4ZHhabGxScm9WSEVKVVFtNGp0VTRSRHdmYjN6TWpzVkt6N1UyLXo5ZV85OTF3Q0VpWVVNWTN5NzlEXzFn?oc=5) · Louisville Family Fun
- 2024-04-21 [KSP hosting ‘Cover the Cruiser’ to raise money for Special Olympics; local event on April 25 - The Owensboro Times](https://news.google.com/rss/articles/CBMi1AFBVV95cUxQYk1FbzQxd1Q3QTF5LVM1TDJJN3pvak5RV1JvY3c1OXJqdEJfNTFaZFdYS0w2YVZSRkdMNmVNWXEwTmFESFZWZzRVMlBiTlYwYmdYVHYzYU4xY1NDQldaQzVKSHJXWXZ2enhvbXd6YmdfU002bmpWZ0lBVkNqdjBBWXRhaUJDVzhKNllvN3lRb0NZZGZtYXB1dHNpME8yMHVGdTVsUVVFQTlfSXAzY2E0OGUzMGx6WGRKME1aRU5XRnR3am0tTWM1NGl2ejRsLXJMM1F1cA?oc=5) · The Owensboro Times
- 2024-04-10 [Have You Ever Wanted to 'Graffiti' a KSP Cruiser? - WBKR 92.5](https://news.google.com/rss/articles/CBMid0FVX3lxTE9UdllnYlFDU19UX3ZlXy1UZWV4SG0wUWFtODBWYTB5QS0ydHFiSHZfN0E1RXVjSEtvQ2ZvY1ppVDFVa0kteUViNnExVXh2djZEOUZfQXZwWmVPYWVKcXN2WGZ5cW1wemt4MW9FRXNGR1U4RG1TUmY4?oc=5) · WBKR 92.5
- 2016-04-20 [Apple Pay Adds 59 New Financial Institutions to its Support Rolls - MacTrast](https://news.google.com/rss/articles/CBMilwFBVV95cUxOWEhCbWhwZUVnQzVMM1BxbGhXVU0yNmNkTDNJRU9fQjdpUHdQLVFTZXFPLVdQd0l6dTRxaWlRM0VIbzhCNzIzSXhoVU41aFQ1MlpyY3lDVU42ZGhZbTRLeW1VTzRGU0NhRXdTOVNOQUE2WnBVTjJMZXNzTW9QZTV4VElrZVBTc1IxUVRQa0NKTnZWSFJKRHcw0gGcAUFVX3lxTE1PWkptdGoyQ3VBOXd6YUEtdENFbGV3dDlxWFYtZldoMVBkdWRkRFVwMjEzYnY1S1pQa18tdlBvVTlzR1ZQaVZoT05wXy1CZ0N1SHoxRDFMTWhfNmxTb0NQNnNQamVBUXlidGRtaUg2aWF3WndESFR3SDQtVU9FZU1JdjNWR2tqSGRzdUFCOGNUS3dNTEZheUFsSlppcw?oc=5) · MacTrast

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=11168 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/32.json (key "11168", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=11168
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide