BlastPoint's Credit Union Scorecard
ASHLAND COMMUNITY
Charter #7072 · OH
ASHLAND COMMUNITY has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.81% above tier average
- + Net Interest Margin 0.99% above tier average
- + AMR Growth Rate: Top 3.1% in tier
- + Efficiency Ratio: Top 5.9% in tier
Key Concerns
Areas that may need attention
- - Member decline: -13.9% YoY
- - Indirect Auto Concentration (%): Bottom 1.6% in tier
- - Member Growth Rate: Bottom 3.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,667
-13.9% YoY-12.5% QoQ
|
+41 |
2,625
-2.2% YoY
|
16,553
+5.8% YoY
|
33,089
+6.1% YoY
|
62% |
| Assets |
$23.1M
+4.6% YoY+4.5% QoQ
|
$-6.8M |
$29.9M
+1.1% YoY
|
$245.2M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
52% |
| Loans |
$16.0M
-0.8% YoY+1.0% QoQ
|
+$276K |
$15.8M
-2.4% YoY
|
$170.6M
+8.7% YoY
|
$388.7M
+8.6% YoY
|
63% |
| Deposits |
$20.4M
+3.2% YoY+4.7% QoQ
|
$-5.1M |
$25.5M
+0.4% YoY
|
$209.1M
+9.7% YoY
|
$464.6M
+9.3% YoY
|
53% |
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| ROA |
2.5%
+33.0% YoY+475.6% QoQ
|
+1.8% |
0.7%
-731.4% YoY
|
0.5%
-7.3% YoY
|
0.7%
+273.4% YoY
|
Top 3.7% in tier |
| NIM |
4.9%
-3.6% YoY+111.3% QoQ
|
+1.0% |
3.9%
+3.8% YoY
|
3.7%
+3.3% YoY
|
3.7%
+5.0% YoY
|
84% |
| Efficiency Ratio |
48.7%
-24.7% YoY-42.2% QoQ
|
-32.6% |
81.4%
-2.4% YoY
|
83.9%
+3.6% YoY
|
79.1%
-3.3% YoY
|
Bottom 5.9% in tier |
| Delinquency Rate |
0.4%
-28.0% YoY-56.0% QoQ
|
-1.1 |
1.5%
-2.0% YoY
|
1.5%
+29.9% YoY
|
1.2%
-0.9% YoY
|
37% |
| Loan To Share |
78.7%
-3.9% YoY-3.5% QoQ
|
+17.5% |
61.2%
-3.0% YoY
|
63.8%
-2.4% YoY
|
68.0%
-1.7% YoY
|
76% |
| AMR |
$13,659
+17.8% YoY+17.8% QoQ
|
$-968 |
$14,627
-2.7% YoY
|
$17,099
+5.9% YoY
|
$19,418
+1.3% YoY
|
50% |
| CD Concentration |
10.7%
+1.7% YoY-1.0% QoQ
|
-13.7% |
24.4%
+4.2% YoY
|
19.2%
+8.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
52.1%
-3.7% YoY-1.5% QoQ
|
+38.1% |
14.0%
-5.7% YoY
|
11.2%
-0.8% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)