BlastPoint's Credit Union Scorecard
ASHLAND
Charter #61792 · KY
ASHLAND has 8 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 28.5% in tier
- + Organic Growth Leader: Top 34.6% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Members: Top 0.6% in tier
- + Members Per Employee (MPE): Top 3.9% in tier
- + Total Loans: Top 7.5% in tier
- + Total Assets: Top 9.7% in tier
- + Total Deposits: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 34.3% in tier
- - Flatlined Growth: Bottom 52.5% in tier
- - Credit Quality Pressure: Bottom 62.1% in tier
- - ROA 0.02% below tier average
- - Delinquency rate 0.58% above tier average
- - Share Certificate Concentration (%): Bottom 4.2% in tier
- - AMR Growth Rate: Bottom 5.6% in tier
- - Average Member Relationship (AMR): Bottom 6.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
46,137
+3.6% YoY+0.5% QoQ
|
+30.7K |
15,437
-2.9% YoY
|
18,352
+6.1% YoY
|
33,374
+5.7% YoY
|
Top 0.7% in tier |
| Assets |
$408.9M
+1.2% YoY-0.1% QoQ
|
+$177.0M |
$231.9M
+1.3% YoY
|
$297.6M
+11.0% YoY
|
$561.6M
+9.7% YoY
|
Top 9.8% in tier |
| Loans |
$288.7M
-1.4% YoY+0.5% QoQ
|
+$141.4M |
$147.3M
-0.1% YoY
|
$214.0M
+12.0% YoY
|
$397.0M
+8.8% YoY
|
Top 7.6% in tier |
| Deposits |
$350.7M
+0.5% YoY-0.2% QoQ
|
+$149.9M |
$200.8M
+0.8% YoY
|
$249.6M
+10.9% YoY
|
$477.3M
+9.7% YoY
|
Top 10.0% in tier |
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| ROA |
0.7%
+191.2% YoY-10.6% QoQ
|
-0.0% |
0.8%
+18.2% YoY
|
0.3%
-193.7% YoY
|
0.7%
+15.9% YoY
|
49% |
| NIM |
3.3%
+9.5% YoY+0.9% QoQ
|
-0.4% |
3.6%
+6.7% YoY
|
3.7%
-0.4% YoY
|
3.8%
+5.1% YoY
|
30% |
| Efficiency Ratio |
73.7%
-11.8% YoY+1.3% QoQ
|
-3.3% |
77.0%
-3.1% YoY
|
85.5%
-17.8% YoY
|
79.7%
-3.3% YoY
|
35% |
| Delinquency Rate |
1.5%
+10.6% YoY-1.6% QoQ
|
+0.6 |
0.9%
+4.2% YoY
|
1.1%
-5.8% YoY
|
1.3%
-2.1% YoY
|
Top 14.5% in tier |
| Loan To Share |
82.3%
-1.8% YoY+0.7% QoQ
|
+10.1% |
72.2%
-1.1% YoY
|
65.9%
-3.9% YoY
|
67.4%
-1.7% YoY
|
70% |
| AMR |
$13,860
-3.8% YoY-0.4% QoQ
|
$-11K |
$24,676
+3.4% YoY
|
$17,204
+6.4% YoY
|
$19,687
+2.0% YoY
|
Bottom 6.0% in tier |
| CD Concentration |
43.6%
-6.5% YoY-0.7% QoQ
|
+19.2% | 24.4% | 22.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.7% | 7.8% | 50% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (3)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)