# OWENSBORO
Owensboro, KY · NCUA charter 8988 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/owensboro-8988

Who the members are: federal charter, multiple common bond, organized 1953. 6,071 members of 8,071 potential (75.2% of the field); checking penetration 48% (share draft accounts per 100 members); loans per 100 members 45.

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $89.5M |
| Members | 6,071 (-2.3% YoY) |
| Full-time staff | 16 |
| Net worth | $12.3M |
| Net worth ratio | 13.8% (p60 of band) |
| ROA (annualized) | 1.01% (p67 of band) |
| Total delinquency | 0.41% (p38 of band) |
| Net charge-offs (annualized) | 0.14% (p38 of band) |
| Loans / shares | 48% (p26 of band) |
| Cash / assets | 56.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.31% (p30 of band) |
| Operating expense / assets | 3.02% (p32 of band) |
| Vehicles % of loans | 50% (p62 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 12% |
| Third-party paper % of net worth | 18% (p68 of band) |
| Vehicle delinquency | 0.30% (p32 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.07% (p82 of band) |
| Real estate % of loans | 43% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 68% |
| Certificates % of member funds | 17% |
| Average share balance | $6,816 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 45% |
| Loans granted per 100 members, annualized | 21% |
| Average loan balance | $13,328 |
| Loans granted, annualized | $10.7M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)

## 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 | 0 |  |  |
| 2017-06 | 1 | net worth falling |  |
| 2017-09 | 1 | delinquency rising | net worth falling |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 0 |  | delinquency rising |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | members leaving |  |
| 2019-03 | 2 | assets shrinking |  |
| 2019-06 | 1 |  | assets shrinking |
| 2019-09 | 3 | losing money, expense trap |  |
| 2019-12 | 4 | assets shrinking |  |
| 2020-03 | 1 |  | losing money, expense trap, assets shrinking |
| 2020-06 | 5 | thin capital, net worth falling, delinquency 2x band, delinquency rising |  |
| 2020-09 | 2 |  | net worth falling, delinquency 2x band, delinquency rising |
| 2020-12 | 4 | margin squeeze, delinquency rising |  |
| 2021-03 | 5 | net worth falling, loan book shrinking | delinquency rising |
| 2021-06 | 4 |  | loan book shrinking |
| 2021-09 | 4 |  |  |
| 2021-12 | 1 |  | members leaving, margin squeeze, net worth falling |
| 2022-03 | 1 |  |  |
| 2022-06 | 0 |  | thin capital |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 1 | delinquency rising |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | assets shrinking |  |
| 2023-12 | 1 |  | delinquency rising |
| 2024-03 | 1 | delinquency rising | assets shrinking |
| 2024-06 | 1 | members leaving | delinquency rising |
| 2024-09 | 1 | delinquency rising | members leaving |
| 2024-12 | 1 |  |  |
| 2025-03 | 0 |  | delinquency rising |
| 2025-06 | 1 | net worth falling |  |
| 2025-09 | 0 |  | net worth falling |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | delinquency rising |  |

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

- 2026-01-13 [Whitesville Community Credit Union expands into Owensboro with merger - The Owensboro Times](https://news.google.com/rss/articles/CBMitAFBVV95cUxNQ0NTZ3RhcFhvUU1oSjJWeFYwWmoyc3d1UWROYjEyQjhTM04xZV9ZdTRkTkhwX1ZualcxVHJGcmc2RkpHMzEyM3Fwc1lkZGVlZHdYcHBweEdsT1BNRThESEFKTXZhWjRMUHd6TWhiWXktN3FocW5DcC14RXpBMV83SmlYRkI0NGlRdzdib25MSFZad0JGVXdXbnNNNG9paDlmQ1IxWkxGZjNMR1NGMUE2a1MwSDM?oc=5) · The Owensboro Times
- 2025-09-30 [NCUA Issues Lifetime Bans to Five Former Credit Union Employees, Including Two CEOs - CUTimes](https://news.google.com/rss/articles/CBMiugFBVV95cUxONzZ4THl4MVlmVVpzLUgyRWhvQU5pUHI5OGF3cVVqOXZZMElfNkNybEp5RU1Xb29VRHYwSm02U1F2Qm9DVzZkYXZHcnpFQXdVQjlxQmp4djdROEpfa1llSjJ2R1RsQ1BuRUdjOTRIWHVzLWlwRUE1TDEza3NuNWlmNmFPTzJ0VGVLaU5Rc3Rsa2NZMm4xYVdCbXl6Y1hyRkRuWDlCYVJUVEowSVNPZE9pUWx5bmlaUzZ6Z1E?oc=5) · CUTimes
- 2026-05-15 [2nd Street Fam Jam kicks off in Owensboro - 14 News](https://news.google.com/rss/articles/CBMifkFVX3lxTE9QN0oyRnM1UkxpaWtqSFdmNHM3dEFwcjloR0tBaG5ESTBEWUNpNzN4aldrSnltRkYyWWV0b1ZDYmd0X1gwOHlqVDA0U0lBcmR5X3FsN1YyRTh2YThDWXRHbTZSdzNGc0pEazZvR096bjFyS082QzdMR202MTFJZ9IBkgFBVV95cUxPTTVHMlBjNVE3Mm5IZHFnSk12bTdyYm5NdEl2S2VXMF9HUDktSlp6MG5LN0VmQUFNdDZpU1MyS3pMMlp2NDh3bWRqZXc5dEoyUFJBc2hCR21qdFgxalZlbG8xeFltcktxRDJjOXVhOVdic0owcVNvVlR3UzlVXy13QzBkN0I5UVFNTUc2Nnh0MDNxZw?oc=5) · 14 News
- 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
- 2026-01-26 [List: What’s open, closed, cancelled — Jan. 26 - The Owensboro Times](https://news.google.com/rss/articles/CBMilgFBVV95cUxNWEdRQzhNSXhyZ1VZeXItRER6cjdMVUZoODlJSnc1SXcxSTB0bkhtc1R4czdkaTdsb2FCSmdzUEhzbHhFa1RmQUpsY2x2NFhzZnpkWkdlcUJrd0FMNmpQN0Z0NnJUZ2tYU2RCVHpIYmFicFRCX2pocEZkR1Jnd0ktSlM5VGlObWphWHVPYmlicWxkc0stZlE?oc=5) · The Owensboro Times
- 2022-10-05 [State of the Union - Evansville Living Magazine](https://news.google.com/rss/articles/CBMiYkFVX3lxTE1yRGdhS0NrYjNUck5oM2YxVVV0YTVnMGhFSkp3em5MSG1CU0hhRmRrcnEtU0pRNEJaXzVPTXZid0RhSGV0Vmw3MHVfRS1oVWZfM3hMQ0VDbnlxS1Raa2xFMGN3?oc=5) · Evansville Living Magazine
- 2025-11-01 [Beverly Jean Brunner Skaggs - The Owensboro Times](https://news.google.com/rss/articles/CBMigwFBVV95cUxOdmtqX1NLeWo0UTBJVkg3T3dlWkFDQzJ3Vm9rZmRhdjFjdVdpMzk3aml2YjlKalRkTW5zMTVUREE5dGk0bTgyYmRsT0w2SmtYTVRWcDVSU1JLNUU1U19SNEhWb3Z5eERPQlM2RUdGYlhudkJ3UE5RVTRJLUJUb19NSU5RNA?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

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=8988 (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/28.json (key "8988", 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=8988
- 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