BlastPoint's Credit Union Scorecard
F.C.I. ASHLAND
Charter #4366 · KY
F.C.I. ASHLAND has 5 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Deposit Growth Rate: Top 3.3% in tier
- + Asset Growth Rate: Top 4.5% in tier
- + AMR Growth Rate: Top 4.5% in tier
- + Loan Growth Rate: Top 7.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.11% below tier average
- - Net Interest Margin (NIM): Bottom 3.5% in tier
- - Fee Income Per Member: Bottom 4.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
742
-1.2% YoY-1.5% QoQ
|
-1.9K |
2,676
+1.6% YoY
|
19,049
+8.0% YoY
|
33,913
+5.7% YoY
|
21% |
| Assets |
$8.5M
+12.4% YoY+3.9% QoQ
|
$-21.7M |
$30.2M
+1.3% YoY
|
$318.2M
+13.2% YoY
|
$578.3M
+9.0% YoY
|
28% |
| Loans |
$5.1M
+12.5% YoY+2.1% QoQ
|
$-10.2M |
$15.3M
-2.0% YoY
|
$224.2M
+14.2% YoY
|
$402.4M
+8.7% YoY
|
35% |
| Deposits |
$7.2M
+14.9% YoY+4.6% QoQ
|
$-18.5M |
$25.8M
+0.7% YoY
|
$268.6M
+13.0% YoY
|
$494.3M
+9.1% YoY
|
29% |
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| ROA |
0.0%
-71.1% YoY-76.8% QoQ
|
-0.1% |
0.1%
-77.6% YoY
|
-0.2%
-46.7% YoY
|
0.4%
-39.2% YoY
|
23% |
| NIM |
2.0%
+9.1% YoY+17.7% QoQ
|
-2.0% |
4.0%
+4.0% YoY
|
3.3%
-7.9% YoY
|
3.8%
+4.1% YoY
|
Bottom 3.5% in tier |
| Efficiency Ratio |
84.8%
-9.3% YoY-5.2% QoQ
|
-5.8% |
90.6%
+6.5% YoY
|
83.1%
-14.8% YoY
|
84.6%
+2.8% YoY
|
58% |
| Delinquency Rate |
0.0%
-100.0% YoY-100.0% QoQ
|
-1.5 |
1.5%
+3.8% YoY
|
0.9%
-11.3% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
70.3%
-2.1% YoY-2.4% QoQ
|
+11.8% |
58.5%
-3.0% YoY
|
64.5%
+0.1% YoY
|
65.6%
-1.4% YoY
|
68% |
| AMR |
$16,625
+15.3% YoY+5.1% QoQ
|
+$2K |
$14,884
-1.7% YoY
|
$17,696
+5.9% YoY
|
$19,920
+1.6% YoY
|
64% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 22.8% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.7% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)