BlastPoint's Credit Union Scorecard
ASHLAND
Charter #61792 · KY
ASHLAND has 9 strengths but faces 7 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
- - 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 |
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| 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
|
55% |
| 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
|
28% |
| 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
|
33% |
| 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
|
68% |
| 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
|
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 (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
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)