BlastPoint's Credit Union Scorecard

ASHLAND

Charter #61792 · KY

100M-500M

1070 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 3.4% in tier
+ Total Loans: Top 7.3% in tier
+ Total Assets: Top 9.2% in tier
+ Total Deposits: Top 9.7% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- ROA 0.47% below tier average
- Efficiency ratio 1.70% above tier (higher cost structure)
- Delinquency rate 0.73% above tier average
- Share Certificate Concentration (%): Bottom 4.4% in tier
- Average Member Relationship (AMR): Bottom 5.0% in tier
- AMR Growth Rate: Bottom 6.7% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Members	46,592 +3.7% YoY+1.0% QoQ	+31.4K	15,145 -2.5% YoY	19,049 +8.0% YoY	33,913 +5.7% YoY	Top 0.7% in tier
Assets	$412.5M +1.0% YoY+0.9% QoQ	+$180.8M	$231.7M +0.8% YoY	$318.2M +13.2% YoY	$578.3M +9.0% YoY	Top 9.3% in tier
Loans	$284.3M -1.4% YoY-1.5% QoQ	+$140.1M	$144.1M +0.2% YoY	$224.2M +14.2% YoY	$402.4M +8.7% YoY	Top 7.4% in tier
Deposits	$354.9M +0.7% YoY+1.2% QoQ	+$153.7M	$201.1M +0.4% YoY	$268.6M +13.0% YoY	$494.3M +9.1% YoY	Top 9.8% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.3% -55.2% YoY-65.8% QoQ	-0.5%	0.7% +5.1% YoY	-0.2% -46.7% YoY	0.4% -39.2% YoY	20%
NIM	3.3% +5.5% YoY+0.7% QoQ	-0.4%	3.6% +4.6% YoY	3.3% -7.9% YoY	3.8% +4.1% YoY	30%
Efficiency Ratio	79.7% +1.2% YoY+8.2% QoQ	+1.7%	78.0% -1.7% YoY	83.1% -14.8% YoY	84.6% +2.8% YoY	54%
Delinquency Rate	1.5% +27.0% YoY+1.7% QoQ	+0.7	0.8% +7.1% YoY	0.9% -11.3% YoY	1.2% +3.4% YoY	Bottom 10.9% in tier
Loan To Share	80.1% -2.1% YoY-2.7% QoQ	+9.7%	70.4% -0.4% YoY	64.5% +0.1% YoY	65.6% -1.4% YoY	69%
AMR	$13,718 -3.8% YoY-1.0% QoQ	$-11K	$24,918 +2.7% YoY	$17,696 +5.9% YoY	$19,920 +1.6% YoY	Bottom 4.9% in tier
CD Concentration	43.1% -5.1% YoY-1.2% QoQ	+18.8%	24.3%	22.8%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	7.7%	7.7%	50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#127 of 371 • 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): 3.68%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Organic Growth Engine

growth

#199 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.68%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.25%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Concerns (2)

Credit Quality Pressure

risk

#212 of 727 • 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): 0.32% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank worsening

Shrinking Wallet Share

decline

#82 of 238 • 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): -3.80%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | Rank improving

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Total Members

engagement

Value: 46,592

Peer Median: 13,200

#7 of 1070 Top 0.6% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 548.141

Peer Median: 309.176

#37 of 1070 Top 3.4% in 100M-500M tier

Total Loans

balance_sheet

Value: $284.28M

Peer Median: $121.41M

#79 of 1070 Top 7.3% in 100M-500M tier

Total Assets

balance_sheet

Value: $412.49M

Peer Median: $196.57M

#99 of 1070 Top 9.2% in 100M-500M tier

105

Total Deposits

balance_sheet

Value: $354.86M

Peer Median: $171.29M

#105 of 1070 Top 9.7% in 100M-500M tier

176

Member Growth Rate

growth

Value: 3.68%

Peer Median: -0.06%

#176 of 1070 Top 16.4% in 100M-500M tier

Top Weaknesses (9 metrics)

1024

Share Certificate Concentration (%)

balance_sheet

Value: 43.08%

Peer Median: 23.10%

#1024 of 1070 Bottom 4.4% in 100M-500M tier

1018

Average Member Relationship (AMR)

engagement

Value: $13,718

Peer Median: $22,931

#1018 of 1070 Bottom 5.0% in 100M-500M tier

999

AMR Growth Rate

growth

Value: -3.80%

Peer Median: 3.46%

#999 of 1070 Bottom 6.7% in 100M-500M tier

970

Fee Income Per Member

profitability

Value: $79.00

Peer Median: $154.95

#970 of 1070 Bottom 9.4% in 100M-500M tier

954

Total Delinquency Rate (60+ days)

risk

Value: 1.50%

Peer Median: 0.61%

#954 of 1070 Bottom 10.9% in 100M-500M tier

911

Loan-to-Member Ratio (LMR)

engagement

Value: $6,102

Peer Median: $9,356

#911 of 1070 Bottom 15.0% in 100M-500M tier

861

Return on Assets (ROA)

profitability

Value: 0.25%

Peer Median: 0.69%

#861 of 1070 Bottom 19.6% in 100M-500M tier

817

Asset Growth Rate

growth

Value: 1.03%

Peer Median: 3.91%

#817 of 1070 Bottom 23.7% in 100M-500M tier

812

Net Charge-Off Rate

risk

Value: 0.66%

Peer Median: 0.35%

#812 of 1070 Bottom 24.2% in 100M-500M tier