# DAVIESS COUNTY TEACHERS
Owensboro, KY · NCUA charter 20684 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/daviess-county-teachers-20684

Who the members are: federal charter, multiple common bond, organized 1971, low-income designated. 5,432 members of 8,000 potential (67.9% of the field); checking penetration 48% (share draft accounts per 100 members); loans per 100 members 68.

**Verdict on the desk:** this could be *fortress*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $75.4M |
| Members | 5,432 (1.8% YoY) |
| Full-time staff | 13 |
| Net worth | $9.1M |
| Net worth ratio | 12.0% (p42 of band) |
| ROA (annualized) | 1.11% (p71 of band) |
| Total delinquency | 0.65% (p52 of band) |
| Net charge-offs (annualized) | 0.75% (p82 of band) |
| Loans / shares | 67% (p60 of band) |
| Cash / assets | 38.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.98% (p68 of band) |
| Operating expense / assets | 2.99% (p31 of band) |
| Vehicles % of loans | 58% (p73 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 47% |
| Third-party paper % of net worth | 131% (p89 of band) |
| Vehicle delinquency | 0.95% (p68 of band) |
| Vehicle NCO | 1.53% (p90 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 31% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 62% |
| Certificates % of member funds | 28% |
| Average share balance | $6,148 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 68% |
| Loans granted per 100 members, annualized | 18% |
| Average loan balance | $11,838 |
| Loans granted, annualized | $19.2M |

## Flags firing in the latest filing

- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

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

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

- 2026-01-25 [List: Weather closings, cancellations — Jan. 25 - The Owensboro Times](https://news.google.com/rss/articles/CBMikwFBVV95cUxQeTZDaXVLYmpoMlVBRHU1QTFWSkVvOFlPTjZyeVhyU0g0LUZaVGEyS1NiZzhXTzZmenRuODZMM0l4cHZVeDQyUUxVVE5NaVlGMGZNT3dzVFNZaDhDLV9GMkdFNFRQdmpNVmVzTkoyNkUxU251ZlNCVkhWWnQySDJUZElfS2tlekIzVFRUUmNqeTNXWjg?oc=5) · The Owensboro Times
- 2026-01-26 [List: What’s open, closed, cancelled — Jan. 26 - The Owensboro Times](https://news.google.com/rss/articles/CBMilgFBVV95cUxNWEdRQzhNSXhyZ1VZeXItRER6cjdMVUZoODlJSnc1SXcxSTB0bkhtc1R4czdkaTdsb2FCSmdzUEhzbHhFa1RmQUpsY2x2NFhzZnpkWkdlcUJrd0FMNmpQN0Z0NnJUZ2tYU2RCVHpIYmFicFRCX2pocEZkR1Jnd0ktSlM5VGlObWphWHVPYmlicWxkc0stZlE?oc=5) · The Owensboro Times
- 2021-11-16 [Community mourns after Brescia University baseball player dies in car crash - 14 News](https://news.google.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?oc=5) · 14 News
- 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

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=20684 (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/12.json (key "20684", 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=20684
- 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.

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