BlastPoint's Credit Union Scorecard
F.C.I. ASHLAND
Charter #4366 · KY
F.C.I. ASHLAND has 7 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 1.9% in tier
- + Asset Growth Rate: Top 2.7% in tier
- + AMR Growth Rate: Top 5.4% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.47% below tier average
- - Efficiency ratio 6.92% above tier (higher cost structure)
- - Net Interest Margin (NIM): Bottom 2.7% in tier
- - Fee Income Per Member: Bottom 3.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
753
+0.1% YoY-0.3% QoQ
|
-1.9K |
2,615
-1.9% YoY
|
18,352
+6.1% YoY
|
33,374
+5.7% YoY
|
21% |
| Assets |
$8.2M
+16.5% YoY+3.4% QoQ
|
$-21.9M |
$30.1M
+2.1% YoY
|
$297.6M
+11.0% YoY
|
$561.6M
+9.7% YoY
|
28% |
| Loans |
$5.0M
+6.2% YoY+4.0% QoQ
|
$-10.8M |
$15.8M
-1.3% YoY
|
$214.0M
+12.0% YoY
|
$397.0M
+8.8% YoY
|
34% |
| Deposits |
$6.9M
+20.0% YoY+4.1% QoQ
|
$-18.8M |
$25.7M
+1.4% YoY
|
$249.6M
+10.9% YoY
|
$477.3M
+9.7% YoY
|
28% |
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| ROA |
0.1%
+135.5% YoY+31.5% QoQ
|
-0.5% |
0.6%
+10.8% YoY
|
0.3%
-193.7% YoY
|
0.7%
+15.9% YoY
|
23% |
| NIM |
1.7%
-13.6% YoY-4.4% QoQ
|
-2.3% |
4.0%
+4.0% YoY
|
3.7%
-0.4% YoY
|
3.8%
+5.1% YoY
|
Bottom 2.6% in tier |
| Efficiency Ratio |
89.5%
-7.6% YoY-1.9% QoQ
|
+6.9% |
82.6%
-2.3% YoY
|
85.5%
-17.8% YoY
|
79.7%
-3.3% YoY
|
74% |
| Delinquency Rate |
0.7%
+519.0% QoQ
|
-0.9 |
1.6%
-3.1% YoY
|
1.1%
-5.8% YoY
|
1.3%
-2.1% YoY
|
47% |
| Loan To Share |
72.0%
-11.5% YoY-0.1% QoQ
|
+11.4% |
60.6%
-3.1% YoY
|
65.9%
-3.9% YoY
|
67.4%
-1.7% YoY
|
67% |
| AMR |
$15,823
+13.7% YoY+4.3% QoQ
|
+$1K |
$14,783
-1.4% YoY
|
$17,204
+6.4% YoY
|
$19,687
+2.0% YoY
|
60% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 22.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.7% | 7.8% | 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)