ASHLAND
Charter #61792 | KY
100M-500M
(1077 CUs)
Micro
($0-$500M)
10 100M-500M in KY
ASHLAND has 9 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 8.7% in tier
- + Organic Growth Engine: Top 8.7% in tier
- + ROA 0.04% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Members: Top 0.6% in tier
- + Members Per Employee (MPE): Top 4.1% in tier
- + Total Loans: Top 7.7% in tier
- + Total Assets: Top 9.6% in tier
- + Total Deposits: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 8.0% in tier
- - Credit Quality Pressure: Bottom 8.5% in tier
- - Liquidity Overhang: Bottom 33.4% in tier
- - Flatlined Growth: Bottom 37.9% in tier
- - Delinquency rate 0.64% above tier average
- - Share Certificate Concentration (%): Bottom 3.6% in tier
- - AMR Growth Rate: Bottom 5.8% in tier
- - Average Member Relationship (AMR): Bottom 6.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
45,915
+4.1% YoY+1.1% QoQ
|
+30.3K |
15,628
-3.4% YoY
|
18,350
+6.5% YoY
|
33,089
+6.1% YoY
|
Top 0.6% in tier |
| Assets |
$409.5M
+1.7% YoY-0.0% QoQ
|
+$178.2M |
$231.3M
-0.0% YoY
|
$291.9M
+10.4% YoY
|
$547.7M
+7.8% YoY
|
Top 9.7% in tier |
| Loans |
$287.4M
-2.2% YoY-0.4% QoQ
|
+$139.6M |
$147.8M
-1.4% YoY
|
$208.5M
+10.3% YoY
|
$388.7M
+8.6% YoY
|
Top 7.8% in tier |
| Deposits |
$351.5M
+1.4% YoY-0.3% QoQ
|
+$151.3M |
$200.3M
-0.0% YoY
|
$245.3M
+10.3% YoY
|
$464.6M
+9.3% YoY
|
Top 10.0% in tier |
| ROA |
0.8%
+230.6% YoY-24.7% QoQ
|
+0.0% |
0.8%
+15.5% YoY
|
0.2%
-216.5% YoY
|
0.7%
+273.4% YoY
|
55th in tier |
| NIM |
3.2%
+8.9% YoY+1.5% QoQ
|
-0.4% |
3.6%
+6.9% YoY
|
3.6%
+4.6% YoY
|
3.7%
+5.0% YoY
|
28th in tier |
| Efficiency Ratio |
72.7%
-13.4% YoY+4.1% QoQ
|
-4.6% |
77.3%
-3.0% YoY
|
85.0%
-21.4% YoY
|
79.1%
-3.3% YoY
|
33rd in tier |
| Delinquency Rate |
1.5%
+32.3% YoY+25.7% QoQ
|
+0.6 |
0.9%
+7.6% YoY
|
0.8%
-26.3% YoY
|
1.2%
-0.9% YoY
|
Top 14.4% in tier |
| Loan To Share |
81.8%
-3.6% YoY-0.2% QoQ
|
+9.1% |
72.7%
-1.5% YoY
|
65.5%
-4.4% YoY
|
68.0%
-1.7% YoY
|
68th in tier |
| AMR |
$13,916
-4.2% YoY-1.4% QoQ
|
$-10K |
$24,363
+2.9% YoY
|
$16,917
+3.2% YoY
|
$19,418
+1.3% YoY
|
Bottom 6.3% in tier |
| CD Concentration |
43.9%
-8.5% YoY-2.1% QoQ
|
+19.5% |
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 (2)
Organic Growth Leader
growth
#115 of 430 • Top 8.7% in tier
Attracting members without relying on indirect channels. Healthy, sustainable growth model.
Why This Signature
Member Growth (YoY):
4.13%
(Tier:
0.88%, National:
9.37%)
430 of 1077 Community CUs have this signature
| 608 nationally
↓ Shrinking
-21 CUs YoY
|
Rank worsening
Organic Growth Engine
growth
#160 of 603 • Top 8.7% in tier
Growing membership while maintaining profitability. Healthy fundamentals in place.
Why This Signature
Member Growth (YoY):
4.13%
(Tier:
0.88%, National:
9.37%)
Return on Assets:
0.83%
(Tier:
0.77%, National:
0.71%)
Indirect Auto %:
0.00%
(Tier:
13.96%, National:
7.90%)
603 of 1077 Community CUs have this signature
| 917 nationally
→ Stable (608→603 CUs)
-5 CUs YoY
|
Rank improving
Concerns (4)
Shrinking Wallet Share
decline
#81 of 244 • Bottom 8.0% in tier
Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Why This Signature
AMR Growth (YoY):
-4.22%
(Tier:
3.68%, National:
4.19%)
244 of 1077 Community CUs have this signature
| 346 nationally
↓ Shrinking
-221 CUs YoY
|
New qualifier
Credit Quality Pressure
risk
#212 of 736 • Bottom 8.5% in tier
Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Why This Signature
Delinquency Change (YoY):
0.37% points
(Tier:
0.04% points, National:
0.07% points)
736 of 1077 Community CUs have this signature
| 1002 nationally
↓ Shrinking
-199 CUs YoY
|
Rank worsening
Liquidity Overhang
risk
#517 of 552 • Bottom 33.4% in tier
Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
Why This Signature
Net Worth Ratio:
12.11%
(Tier:
11.95%, National:
14.51%)
Loan-to-Share Ratio:
81.76%
(Tier:
74.56%, National:
67.96%)
552 of 1077 Community CUs have this signature
| 691 nationally
↑ Growing
+65 CUs YoY
|
New qualifier
Flatlined Growth
risk
#40 of 58 • Bottom 37.9% in tier
Asset growth has flattened despite healthy profitability. May indicate a need to reassess growth strategy.
Why This Signature
Total Assets:
$409.46M
(Tier: $231.30M, National: $547.69M)
Asset Growth (YoY):
1.68%
(Tier:
4.61%, National:
3.04%)
Return on Assets:
0.83%
(Tier:
0.77%, National:
0.71%)
58 of 1077 Community CUs have this signature
| 82 nationally
↑ Growing
+10 CUs YoY
|
New qualifier
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)
Top Strengths (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 13.34%
#1 of 1077
Top 0.0% in 100M-500M tier
7
Total Members
engagement
Value:
45,915
Peer Avg: 15,628
#7 of 1077
Top 0.6% in 100M-500M tier
45
Members Per Employee (MPE)
engagement
Value:
527.759
Peer Avg: 332.881
#45 of 1077
Top 4.1% in 100M-500M tier
84
Total Loans
balance_sheet
Value:
$287.41M
Peer Avg: $147.80M
#84 of 1077
Top 7.7% in 100M-500M tier
104
Total Assets
balance_sheet
Value:
$409.46M
Peer Avg: $231.30M
#104 of 1077
Top 9.6% in 100M-500M tier
108
Total Deposits
balance_sheet
Value:
$351.55M
Peer Avg: $200.29M
#108 of 1077
Top 9.9% in 100M-500M tier
135
Member Growth Rate
growth
Value:
4.13%
Peer Avg: 0.72%
#135 of 1077
Top 12.4% in 100M-500M tier
Top Weaknesses (6 metrics)
1039
Share Certificate Concentration (%)
balance_sheet
Value:
43.93%
Peer Avg: 23.61%
#1039 of 1077
Bottom 3.6% in 100M-500M tier
1016
AMR Growth Rate
growth
Value:
-4.22%
Peer Avg: 3.64%
#1016 of 1077
Bottom 5.8% in 100M-500M tier
1009
Average Member Relationship (AMR)
engagement
Value:
$13,916
Peer Avg: $24,363
#1009 of 1077
Bottom 6.4% in 100M-500M tier
923
Total Delinquency Rate (60+ days)
risk
Value:
1.50%
Peer Avg: 0.86%
#923 of 1077
Bottom 14.4% in 100M-500M tier
904
Loan-to-Member Ratio (LMR)
engagement
Value:
$6,260
Peer Avg: $10,245
#904 of 1077
Bottom 16.2% in 100M-500M tier
814
Loan Growth Rate
growth
Value:
-2.22%
Peer Avg: 3.45%
#814 of 1077
Bottom 24.5% in 100M-500M tier