BlastPoint's Credit Union Scorecard
F.C.I. ASHLAND
Charter #4366 · KY
F.C.I. ASHLAND has 6 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Deposit Growth Rate: Top 2.3% in tier
- + Asset Growth Rate: Top 2.8% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.57% below tier average
- - Efficiency ratio 9.86% above tier (higher cost structure)
- - Net Interest Margin (NIM): Bottom 2.7% in tier
- - Fee Income Per Member: Bottom 3.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
755
+1.9% YoY+0.8% QoQ
|
-1.9K |
2,625
-2.2% YoY
|
18,350
+6.5% YoY
|
33,089
+6.1% YoY
|
22% |
| Assets |
$7.9M
+15.9% YoY+4.6% QoQ
|
$-21.9M |
$29.9M
+1.1% YoY
|
$291.9M
+10.4% YoY
|
$547.7M
+7.8% YoY
|
28% |
| Loans |
$4.8M
-1.4% YoY+1.1% QoQ
|
$-11.0M |
$15.8M
-2.4% YoY
|
$208.5M
+10.3% YoY
|
$388.7M
+8.6% YoY
|
33% |
| Deposits |
$6.7M
+19.3% YoY+5.5% QoQ
|
$-18.8M |
$25.5M
+0.4% YoY
|
$245.3M
+10.3% YoY
|
$464.6M
+9.3% YoY
|
28% |
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| ROA |
0.1%
+61.4% YoY+4.5% QoQ
|
-0.6% |
0.7%
-731.4% YoY
|
0.2%
-216.5% YoY
|
0.7%
+273.4% YoY
|
20% |
| NIM |
1.8%
-16.7% YoY+3.6% QoQ
|
-2.2% |
3.9%
+3.8% YoY
|
3.6%
+4.6% YoY
|
3.7%
+5.0% YoY
|
Bottom 2.7% in tier |
| Efficiency Ratio |
91.3%
-5.7% YoY-2.7% QoQ
|
+9.9% |
81.4%
-2.4% YoY
|
85.0%
-21.4% YoY
|
79.1%
-3.3% YoY
|
79% |
| Delinquency Rate | 0.1% | -1.4 |
1.5%
-2.0% YoY
|
0.8%
-26.3% YoY
|
1.2%
-0.9% YoY
|
21% |
| Loan To Share |
72.1%
-17.4% YoY-4.2% QoQ
|
+10.8% |
61.2%
-3.0% YoY
|
65.5%
-4.4% YoY
|
68.0%
-1.7% YoY
|
66% |
| AMR |
$15,166
+7.6% YoY+2.8% QoQ
|
+$540 |
$14,627
-2.7% YoY
|
$16,917
+3.2% YoY
|
$19,418
+1.3% YoY
|
58% |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
22.1%
-0.3% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.8%
-3.4% YoY
|
7.9%
-2.9% YoY
|
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)