BlastPoint's Credit Union Scorecard

ASHLAND COMMUNITY

Charter #7072 · OH

2556 CUs in <100M nationally 118 in OH

ASHLAND COMMUNITY has 3 strengths but faces 3 concerns

National Analysis

How does the industry compare?

OH Analysis

How does OH stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.92% above tier average
+ Net Interest Margin 0.93% above tier average
+ AMR Growth Rate: Top 3.1% in tier

Key Concerns

Areas that may need attention

- Member decline: -12.0% YoY
- Indirect Auto Concentration (%): Bottom 1.5% in tier
- Member Growth Rate: Bottom 4.0% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	2,693 -12.0% YoY+1.0% QoQ	+77	2,615 -1.9% YoY	16,819 +5.2% YoY	33,374 +5.7% YoY	63%
Assets	$23.2M +8.2% YoY+0.4% QoQ	$-7.0M	$30.1M +2.1% YoY	$253.6M +9.4% YoY	$561.6M +9.7% YoY	52%
Loans	$15.8M +1.1% YoY-1.2% QoQ	+$86K	$15.8M -1.3% YoY	$173.0M +7.8% YoY	$397.0M +8.8% YoY	63%
Deposits	$20.4M +7.3% YoY+0.1% QoQ	$-5.3M	$25.7M +1.4% YoY	$217.1M +9.6% YoY	$477.3M +9.7% YoY	53%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.5% -13.9% YoY-37.9% QoQ	+0.9%	0.6% +10.8% YoY	0.4% -22.9% YoY	0.7% +15.9% YoY	Top 14.9% in tier
NIM	4.9% -3.8% YoY-0.8% QoQ	+0.9%	4.0% +4.0% YoY	3.8% +3.7% YoY	3.8% +5.1% YoY	83%
Efficiency Ratio	64.2% +0.4% YoY+31.8% QoQ	-18.3%	82.6% -2.3% YoY	82.6% +2.4% YoY	79.7% -3.3% YoY	17%
Delinquency Rate	0.2% -85.3% YoY-53.0% QoQ	-1.4	1.6% -3.1% YoY	1.6% +33.3% YoY	1.3% -2.1% YoY	25%
Loan To Share	77.7% -5.8% YoY-1.3% QoQ	+17.1%	60.6% -3.1% YoY	63.0% -2.6% YoY	67.4% -1.7% YoY	75%
AMR	$13,460 +18.7% YoY-1.5% QoQ	$-1K	$14,783 -1.4% YoY	$17,423 +5.7% YoY	$19,687 +2.0% YoY	48%
CD Concentration	9.1% -13.1% YoY-14.4% QoQ	-15.3%	24.4%	19.4%	19.8%	50%
Indirect Auto %	52.1% -4.1% YoY+0.0% QoQ	+38.3%	13.8%	11.2%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Compare against:

Comparing against 2556 peers in tier

Top Strengths (9 metrics)

AMR Growth Rate

growth

Value: 18.68%

Peer Median: -

#80 of 2556 Top 3.1% in <100M tier

323

Asset Growth Rate

growth

Value: 8.18%

Peer Median: -

#323 of 2556 Top 12.6% in <100M tier

381

Return on Assets (ROA)

profitability

Value: 1.55%

Peer Median: -

#381 of 2556 Top 14.9% in <100M tier

410

Deposit Growth Rate

growth

Value: 7.28%

Peer Median: -

#410 of 2556 Top 16.0% in <100M tier

433

Net Interest Margin (NIM)

profitability

Value: 4.88%

Peer Median: -

#433 of 2556 Top 16.9% in <100M tier

434

Efficiency Ratio

profitability

Value: 64.25%

Peer Median: -

#434 of 2556 Top 16.9% in <100M tier

528

Members Per Employee (MPE)

engagement

Value: 448.833

Peer Median: -

#528 of 2556 Top 20.6% in <100M tier

631

Total Delinquency Rate (60+ days)

risk

Value: 0.19%

Peer Median: -

#631 of 2556 Top 24.6% in <100M tier

638

Loan-to-Share Ratio

balance_sheet

Value: 77.69%

Peer Median: -

#638 of 2556 Top 24.9% in <100M tier

Top Weaknesses (2 metrics)

2518

Indirect Auto Concentration (%)

balance_sheet

Value: 52.11%

Peer Median: -

#2518 of 2556 Bottom 1.5% in <100M tier

2454

Member Growth Rate

growth

Value: -11.96%

Peer Median: -

#2454 of 2556 Bottom 4.0% in <100M tier