Sep, 30, 2025 — AUDUBON FEDERAL CREDIT UNION is a federal credit union headquartered in OWENSBORO, KY with 1 branch location and about $36.41 million in total assets. Opened 70 years ago in 1956, AUDUBON FEDERAL CREDIT UNION has about 2,591 members and employs 10 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | AUDUBON FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 1429 Breckenridge St OWENSBORO, KY 42303 |
| Phone: | (270) 685-3487 |
| Fax: | (270) 685-0521 |
| Website: | https://www.audubonfcu.net |
| Branches: | 1 branch locations |
| Members: | 2,591 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 11168 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1956 |
| Last Audited: | Mar 01, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $36,407,515 |
| CEO/Manager: | Jessica L Higdon |
| Chairperson: | Eddy McFarland |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 7,272,161 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 3,360,619 |
| Unsecured Loans | 1,163,428 |
| Other Loans | 13,641,437 |
| TOTAL LOANS | 18,165,484 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -73,936 |
| Land And Building | 333,704 |
| Other Fixed Assets | 113,049 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 296,670 |
| All Other Assets | 0 |
| TOTAL ASSETS | 36,407,515 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 8,480 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 80,895 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 7,358,108 |
| Regular shares | 14,291,594 |
| All Other Shares & Deposits | 11,805,852 |
| TOTAL SHARES & DEPOSITS | 33,455,554 |
| TOTAL LIABILITIES | 33,544,929 |
| Regular Reserve | 0 |
| Other Reserves | 758,712 |
| Undivided Earnings | 2,103,874 |
| TOTAL EQUITY | 2,862,586 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 36,407,515 |
| INCOME & EXPENSE | |
| Loan Income | 822,617 |
| Investment Income | 365,225 |
| Other Income | 147,213 |
| Total Employee Compensation & Benefits | 390,009 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 538,293 |
| Non-operating Income & (Expense) | -877 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 32,769 |
| Cost of Funds | 293,639 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 179,201 |
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