BlastPoint's Credit Union Scorecard

ASHLAND COMMUNITY

Charter #7072 · OH

<100M

2508 CUs in <100M nationally 116 in OH

ASHLAND COMMUNITY has 4 strengths but faces 3 concerns

National Analysis

How does the industry compare?

OH Analysis

How does OH stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 1.66% above tier average
+ Net Interest Margin 1.12% above tier average
+ Net Charge-Off Rate: Top 2.9% in tier
+ AMR Growth Rate: Top 3.9% in tier

Key Concerns

Areas that may need attention

- Member decline: -10.8% YoY
- Indirect Auto Concentration (%): Bottom 1.3% in tier
- Member Growth Rate: Bottom 5.2% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	2,706 -10.8% YoY+0.5% QoQ	+29	2,676 +1.6% YoY	16,936 +6.2% YoY	33,913 +5.7% YoY	63%
Assets	$22.8M +5.1% YoY-1.8% QoQ	$-7.4M	$30.2M +1.3% YoY	$257.9M +8.7% YoY	$578.3M +9.0% YoY	51%
Loans	$16.2M +3.8% YoY+2.4% QoQ	+$950K	$15.3M -2.0% YoY	$174.2M +8.4% YoY	$402.4M +8.7% YoY	64%
Deposits	$19.9M +4.1% YoY-2.3% QoQ	$-5.9M	$25.8M +0.7% YoY	$221.5M +9.0% YoY	$494.3M +9.1% YoY	52%

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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	1.8% -8.4% YoY+16.7% QoQ	+1.7%	0.1% -77.6% YoY	0.6% +16.1% YoY	0.4% -39.2% YoY	Top 9.0% in tier
NIM	5.1% +3.8% YoY+5.0% QoQ	+1.1%	4.0% +4.0% YoY	3.7% +1.7% YoY	3.8% +4.1% YoY	Top 9.8% in tier
Efficiency Ratio	65.1% +2.1% YoY+1.3% QoQ	-25.5%	90.6% +6.5% YoY	82.0% -2.0% YoY	84.6% +2.8% YoY	18%
Delinquency Rate	0.3% -53.6% YoY+81.8% QoQ	-1.2	1.5% +3.8% YoY	1.4% +35.7% YoY	1.2% +3.4% YoY	36%
Loan To Share	81.5% -0.3% YoY+4.8% QoQ	+22.9%	58.5% -3.0% YoY	61.3% -2.1% YoY	65.6% -1.4% YoY	84%
AMR	$13,362 +16.6% YoY-0.7% QoQ	$-2K	$14,884 -1.7% YoY	$17,686 +5.3% YoY	$19,920 +1.6% YoY	47%
CD Concentration	8.6% -21.2% YoY-6.4% QoQ	-15.7%	24.3%	19.4%	19.8%	50%
Indirect Auto %	52.6% -4.0% YoY+0.9% QoQ	+38.8%	13.8%	11.4%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (10 metrics)

Net Charge-Off Rate

risk

Value: -0.55%

Peer Median: 0.07%

#74 of 2508 Top 2.9% in <100M tier

AMR Growth Rate

growth

Value: 16.61%

Peer Median: 1.27%

#99 of 2508 Top 3.9% in <100M tier

226

Return on Assets (ROA)

profitability

Value: 1.80%

Peer Median: 0.61%

#226 of 2508 Top 9.0% in <100M tier

245

Net Interest Margin (NIM)

profitability

Value: 5.13%

Peer Median: 3.83%

#245 of 2508 Top 9.7% in <100M tier

330

Fee Income Per Member

profitability

Value: $143.42

Peer Median: $60.42

#330 of 2508 Top 13.1% in <100M tier

412

Loan-to-Share Ratio

balance_sheet

Value: 81.45%

Peer Median: 58.72%

#412 of 2508 Top 16.4% in <100M tier

447

Efficiency Ratio

profitability

Value: 65.10%

Peer Median: 81.45%

#447 of 2508 Top 17.8% in <100M tier

513

Members Per Employee (MPE)

engagement

Value: 451.000

Peer Median: 333.750

#513 of 2508 Top 20.4% in <100M tier

596

Asset Growth Rate

growth

Value: 5.07%

Peer Median: 1.30%

#596 of 2508 Top 23.7% in <100M tier

606

Loan Growth Rate

growth

Value: 3.82%

Peer Median: -2.36%

#606 of 2508 Top 24.1% in <100M tier

Top Weaknesses (2 metrics)

2476

Indirect Auto Concentration (%)

balance_sheet

Value: 52.58%

Peer Median: 0.00%

#2476 of 2508 Bottom 1.3% in <100M tier

2379

Member Growth Rate

growth

Value: -10.84%

Peer Median: -1.37%

#2379 of 2508 Bottom 5.2% in <100M tier