BlastPoint's Credit Union Scorecard
F.C.I. ASHLAND
Charter #4366 · KY
F.C.I. ASHLAND has 4 strengths but faces 5 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 1.7% in tier
- + Asset Growth Rate: Top 2.1% in tier
- + AMR Growth Rate: Top 3.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.42% below tier average
- - Efficiency ratio 0.82% above tier (higher cost structure)
- - Member decline: -4.5% YoY
- - Fee Income Per Member: Bottom 3.0% in tier
- - Net Interest Margin (NIM): Bottom 3.2% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 34 that size in Kentucky.
- Shares and deposits +19.3% year over year ($7.5M in shares and deposits).
- Membership: 715 members, -4.5% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 0.07%.
- Efficiency ratio 89.58% vs a 88.77% peer average.
- Loan-to-share ratio 68.47% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
715
-4.5% YoY-3.6% QoQ
|
-1.9K |
2,585
-1.7% YoY
|
19,704
+8.5% YoY
|
34,678
+6.6% YoY
|
20% |
| Assets |
$8.8M
+16.2% YoY+3.4% QoQ
|
$-21.5M |
$30.3M
+1.5% YoY
|
$329.2M
+13.7% YoY
|
$593.1M
+10.2% YoY
|
29% |
| Loans |
$5.2M
+8.6% YoY+1.2% QoQ
|
$-10.3M |
$15.5M
-1.7% YoY
|
$234.8M
+15.2% YoY
|
$418.6M
+10.1% YoY
|
35% |
| Deposits |
$7.5M
+19.3% YoY+3.9% QoQ
|
$-18.3M |
$25.8M
+1.1% YoY
|
$276.9M
+13.5% YoY
|
$504.8M
+10.3% YoY
|
30% |
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| ROA |
0.1%
-36.2% YoY
|
-1.4% |
1.5%
+241.5% YoY
|
1.2%
+141.8% YoY
|
1.2%
+121.4% YoY
|
Bottom 4.8% in tier |
| NIM |
1.9%
+12.3% YoY-3.7% QoQ
|
-2.0% |
3.9%
+0.9% YoY
|
3.7%
+2.3% YoY
|
3.8%
+2.3% YoY
|
Bottom 3.1% in tier |
| Efficiency Ratio |
89.6%
-4.4% YoY+5.6% QoQ
|
+0.8% |
88.8%
-6.9% YoY
|
83.2%
+1.5% YoY
|
83.0%
-5.3% YoY
|
71% |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+2.1% YoY
|
1.1%
+18.9% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
68.5%
-9.0% YoY-2.6% QoQ
|
+9.6% |
58.9%
-3.1% YoY
|
64.3%
-0.2% YoY
|
66.4%
-1.4% YoY
|
64% |
| AMR |
$17,735
+20.2% YoY+6.7% QoQ
|
+$3K |
$14,963
-6.8% YoY
|
$17,761
+5.3% YoY
|
$20,028
-0.9% YoY
|
68% |
| CD Concentration | 0.0% | -24.6% | 24.6% | 23.1% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 7.6% | 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)