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BlastPoint's Credit Union Scorecard

ASHLAND

Charter #61792 · KY

100M-500M
1024 CUs in 100M-500M nationally 10 in KY

ASHLAND has 7 strengths but faces 8 concerns

National Analysis

How does the industry compare?
KY Analysis

How does KY stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 50.0% in tier
  • + Organic Growth Engine: Top 50.0% in tier
  • + Total Members: Top 0.6% in tier
  • + Members Per Employee (MPE): Top 3.3% in tier
  • + Total Loans: Top 7.3% in tier
  • + Total Deposits: Top 9.1% in tier
  • + Total Assets: Top 9.3% in tier

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 50.0% in tier
  • - Shrinking Wallet Share: Bottom 50.0% in tier
  • - Credit Quality Pressure: Bottom 50.0% in tier
  • - Credit Risk Growth: Bottom 50.0% in tier
  • - Efficiency Drag: Bottom 50.0% in tier
  • - ROA 0.61% below tier average
  • - Efficiency ratio 3.61% above tier (higher cost structure)
  • - Delinquency rate 0.41% above tier average

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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 10 that size in Kentucky.
  • Shares and deposits +0.7% year over year ($355M in shares and deposits).
  • Membership: 46,980 members, +3.4% vs a year ago.
  • Delinquency rate 1.29%.
  • Return on assets 0.26%.
  • Efficiency ratio 80.35% vs a 76.73% peer average.
  • Loan-to-share ratio 82.03% vs a 71.54% 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 46,980
+3.4% YoY+0.8% QoQ
 +31.8K 15,168
-2.6% YoY
 19,704
+8.5% YoY
 34,678
+6.6% YoY
 Top 0.7% in tier
Assets $411.8M
+0.6% YoY-0.2% QoQ
 +$179.8M $232.0M
+0.7% YoY
 $329.2M
+13.7% YoY
 $593.1M
+10.2% YoY
 Top 9.4% in tier
Loans $291.1M
+0.8% YoY+2.4% QoQ
 +$144.8M $146.3M
+0.2% YoY
 $234.8M
+15.2% YoY
 $418.6M
+10.1% YoY
 Top 7.4% in tier
Deposits $354.8M
+0.7% YoY-0.0% QoQ
 +$154.1M $200.7M
+0.2% YoY
 $276.9M
+13.5% YoY
 $504.8M
+10.3% YoY
 Top 9.2% in tier

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

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ROA 0.3%
-76.5% YoY+2.1% QoQ
 -0.6% 0.9%
+12.5% YoY
 1.2%
+141.8% YoY
 1.2%
+121.4% YoY
 Bottom 11.7% in tier
NIM 3.3%
+2.8% YoY-0.3% QoQ
 -0.4% 3.7%
+4.5% YoY
 3.7%
+2.3% YoY
 3.8%
+2.3% YoY
 25%
Efficiency Ratio 80.3%
+15.0% YoY+0.8% QoQ
 +3.6% 76.7%
-0.8% YoY
 83.2%
+1.5% YoY
 83.0%
-5.3% YoY
 59%
Delinquency Rate 1.3%
+7.9% YoY-14.1% QoQ
 +0.4 0.9%
+6.6% YoY
 1.1%
+18.9% YoY
 1.3%
+2.6% YoY
 80%
Loan To Share 82.0%
+0.2% YoY+2.4% QoQ
 +10.5% 71.5%
-0.3% YoY
 64.3%
-0.2% YoY
 66.4%
-1.4% YoY
 69%
AMR $13,748
-2.6% YoY+0.2% QoQ
 $-11K $25,107
+3.2% YoY
 $17,761
+5.3% YoY
 $20,028
-0.9% YoY
 Bottom 4.9% in tier
CD Concentration 42.5%
-5.3% YoY-1.4% QoQ
 +17.9% 24.6% 23.1% 20.0% 50%
Indirect Auto % 0.0% -13.6% 13.6% 7.6% 7.7% 50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth
#126 of 342 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 3.42%
(Tier: 0.46%, National: 15.67%)
better than tier avg
Indirect Auto %: 0.00%
(Tier: 13.63%, National: 7.71%)
better than tier avg
342 of 1024 Mid-Small & Community CUs have this signature | 485 nationally
↓ Shrinking -91 CUs YoY | Rank worsening

Organic Growth Engine

growth
#219 of 344 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 3.42%
(Tier: 0.46%, National: 15.67%)
better than tier avg
Return on Assets: 0.26%
(Tier: 0.85%, National: 1.23%)
but worse than tier avg
Indirect Auto %: 0.00%
(Tier: 13.63%, National: 7.71%)
better than tier avg
344 of 1024 Mid-Small & Community CUs have this signature | 490 nationally
↓ Shrinking -271 CUs YoY | Rank worsening

Concerns (5)

Flatlined Growth

risk
#19 of 42 • Bottom 50.0% in tier

Asset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why This Signature
Asset Growth (YoY): 0.56%
(Tier: 4.62%, National: 3.30%)
worse than tier avg
Return on Assets: 0.26%
(Tier: 0.85%, National: 1.23%)
worse than tier avg
42 of 1024 Mid-Small & Community CUs have this signature | 57 nationally
→ Stable (46→42 CUs) -4 CUs YoY | New qualifier

Shrinking Wallet Share

decline
#105 of 223 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -2.59%
(Tier: 3.97%, National: 35.20%)
worse than tier avg
223 of 1024 Mid-Small & Community CUs have this signature | 308 nationally
↓ Shrinking -61 CUs YoY | Rank improving

Credit Quality Pressure

risk
#494 of 693 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.09% points
(Tier: 0.04% points, National: 0.08% points)
worse than tier avg
693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally
↓ Shrinking -83 CUs YoY | Rank worsening

Credit Risk Growth

risk
#441 of 472 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 0.83%
(Tier: 4.13%, National: 78.26%)
worse than tier avg
Delinquency Change (YoY): 0.09% points
(Tier: 0.04% points, National: 0.08% points)
worse than tier avg
472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally
↑ Growing +32 CUs YoY | New qualifier

Efficiency Drag

risk
#521 of 531 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 80.35%
(Tier: 76.58%, National: 82.97%)
worse than tier avg
ROA Change (YoY): -0.84% points
(Tier: 0.10% points, National: 0.47% points)
worse than tier avg
Member Growth (YoY): 3.42%
(Tier: 0.46%, National: 15.67%)
but better than tier avg
531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally
↓ Shrinking -37 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)

Comparing against 1024 peers in tier

Top Strengths (7 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 6.15%
#1 of 1024 Top 0.1% in 100M-500M tier
7
Total Members
engagement
Value: 46,980
Peer Median: 13,128
#7 of 1024 Top 0.6% in 100M-500M tier
35
Members Per Employee (MPE)
engagement
Value: 546.279
Peer Median: 310.924
#35 of 1024 Top 3.3% in 100M-500M tier
76
Total Loans
balance_sheet
Value: $291.06M
Peer Median: $124.04M
#76 of 1024 Top 7.3% in 100M-500M tier
94
Total Deposits
balance_sheet
Value: $354.81M
Peer Median: $170.77M
#94 of 1024 Top 9.1% in 100M-500M tier
96
Total Assets
balance_sheet
Value: $411.82M
Peer Median: $196.38M
#96 of 1024 Top 9.3% in 100M-500M tier
168
Member Growth Rate
growth
Value: 3.42%
Peer Median: -0.03%
#168 of 1024 Top 16.3% in 100M-500M tier

Top Weaknesses (9 metrics)

974
Average Member Relationship (AMR)
engagement
Value: $13,748
Peer Median: $23,006
#974 of 1024 Bottom 5.0% in 100M-500M tier
967
Share Certificate Concentration (%)
balance_sheet
Value: 42.47%
Peer Median: 23.39%
#967 of 1024 Bottom 5.7% in 100M-500M tier
951
Fee Income Per Member
profitability
Value: $78.98
Peer Median: $159.88
#951 of 1024 Bottom 7.2% in 100M-500M tier
940
AMR Growth Rate
growth
Value: -2.59%
Peer Median: 3.53%
#940 of 1024 Bottom 8.3% in 100M-500M tier
904
Return on Assets (ROA)
profitability
Value: 0.26%
Peer Median: 0.75%
#904 of 1024 Bottom 11.8% in 100M-500M tier
874
Loan-to-Member Ratio (LMR)
engagement
Value: $6,195
Peer Median: $9,434
#874 of 1024 Bottom 14.7% in 100M-500M tier
822
Total Delinquency Rate (60+ days)
risk
Value: 1.29%
Peer Median: 0.71%
#822 of 1024 Bottom 19.8% in 100M-500M tier
821
Net Charge-Off Rate
risk
Value: 0.69%
Peer Median: 0.34%
#821 of 1024 Bottom 19.9% in 100M-500M tier
808
Asset Growth Rate
growth
Value: 0.56%
Peer Median: 4.12%
#808 of 1024 Bottom 21.2% in 100M-500M tier
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