Ashland, KY · Charter 12648
NCUA · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in the Huntington-Ashland, WV-KY-OH area (n=16). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
19
Asset Quality
31
Profitability
23
Liquidity
99
Efficiency
6
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Ashland, KY · Charter 12648
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.68% | 0.84% | 0.52% | -0.25% | -0.39% | -107 bps | |
| Return on Equity | 7.59% | 8.90% | 5.12% | -2.57% | -4.13% | -1,172 bps | |
| Net Interest Margin | 3.92% | 4.00% | 4.47% | 4.14% | 4.09% | +17 bps | |
| Efficiency Ratio | 82.80% | 83.42% | 90.30% | 104.39% | 101.48% | +1,868 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.14% | 3.07% | -13.00% | -14.04% | -8.16% | -1,930 bps | |
| Loan Growth (YoY) | -14.88% | -18.90% | -19.98% | -21.47% | -23.86% | -898 bps | |
| Share Growth (YoY) | 12.45% | 0.70% | -15.67% | -18.62% | -8.95% | -2,140 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.47% | 2.63% | 3.63% | 3.02% | 3.05% | +159 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.91% | 9.39% | 10.24% | 9.83% | 9.56% | +65 bps | |
| Net Worth / Assets | 8.91% | 9.39% | 10.24% | 9.83% | 9.56% | +65 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 69.39% | 70.10% | 69.72% | 65.45% | 58.02% | -1,136 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Ashland, KY · Charter 12648 · Peer group: credit unions under $1B in assets in the Huntington-Ashland, WV-KY-OH area (n=16)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.40%
Rank 15 of 16
Net Interest Margin
4.10%
Rank 6 of 16
Efficiency Ratio
101.34%
Rank 16 of 16
Equity / Assets
9.56%
Rank 13 of 16
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.40% | 0.26% | 0.64% | 1.04% | Beats 6% | 15 / 16 | |
| Return on Equity | -4.21% | 2.11% | 6.23% | 8.05% | Beats 0% | 16 / 16 | |
| Net Interest Margin | 4.10% | 3.27% | 3.61% | 4.55% | Beats 63% | 6 / 16 | |
| Efficiency Ratio | 101.34% | 73.53% | 78.18% | 86.56% | Beats 6% | 16 / 16 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 3.05% | 0.76% | 1.98% | 4.44% | Beats 31% | 12 / 16 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.56% | 11.13% | 12.88% | 16.82% | Beats 19% | 13 / 16 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.56% | 11.13% | 12.88% | 16.82% | Beats 19% | 13 / 16 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 58.02% | 50.42% | 58.02% | 68.47% | 50th pctl | 8 / 16 | |
| Loans / Assets | 51.53% | 44.10% | 51.06% | 58.46% | 56th pctl | 7 / 16 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||