F.C.I. ASHLAND

Charter #4366 | KY

<100M (2596 CUs) Micro
37 <100M in 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
 Bottom 21.6% in tier
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
 28th in tier
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
 33rd in tier
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
 28th in tier
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
 Bottom 20.1% in tier
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
 Top 21.3% in tier
Delinquency Rate 0.1% -1.4 1.5%
-2.0% YoY
 0.8%
-26.3% YoY
 1.2%
-0.9% YoY
 Bottom 21.1% in tier
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
 66th in tier
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
 58th in tier
CD Concentration 0.0% -24.4% 24.4%
+4.2% YoY
 22.1%
-0.3% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 7.8%
-3.4% YoY
 7.9%
-2.9% YoY
 50th in tier

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)

Comparing against 2596 peers in tier

Top Strengths (9 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 2.84%
#1 of 2596 Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 14.49%
#1 of 2596 Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 15.37%
#1 of 2596 Top 0.0% in <100M tier
60
Deposit Growth Rate
growth
Value: 19.34%
Peer Avg: 16.80%
#60 of 2596 Top 2.3% in <100M tier
73
Asset Growth Rate
growth
Value: 15.86%
Peer Avg: 1.82%
#73 of 2596 Top 2.8% in <100M tier
246
Net Charge-Off Rate
risk
Value: 0.00%
Peer Avg: 0.57%
#246 of 2596 Top 9.4% in <100M tier
393
AMR Growth Rate
growth
Value: 7.63%
Peer Avg: 4.67%
#393 of 2596 Top 15.1% in <100M tier
464
Member Growth Rate
growth
Value: 1.89%
Peer Avg: 14.92%
#464 of 2596 Top 17.8% in <100M tier
549
Total Delinquency Rate (60+ days)
risk
Value: 0.11%
Peer Avg: 1.51%
#549 of 2596 Top 21.1% in <100M tier

Top Weaknesses (5 metrics)

2526
Net Interest Margin (NIM)
profitability
Value: 1.77%
Peer Avg: 3.93%
#2526 of 2596 Bottom 2.7% in <100M tier
2495
Fee Income Per Member
profitability
Value: $0.00
Peer Avg: $182.96
#2495 of 2596 Bottom 3.9% in <100M tier
2074
Return on Assets (ROA)
profitability
Value: 0.11%
Peer Avg: 0.68%
#2074 of 2596 Bottom 20.1% in <100M tier
2043
Efficiency Ratio
profitability
Value: 91.25%
Peer Avg: 81.39%
#2043 of 2596 Bottom 21.3% in <100M tier
2035
Total Members
engagement
Value: 755
Peer Avg: 2,626
#2035 of 2596 Bottom 21.6% in <100M tier