Bluegrass Community
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
$12.9MAssets
$6.7MLoans
$11.5MShares
$1.2MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 63% of credit unions under $1B in assets in the Huntington-Ashland, WV-KY-OH area (rank 6 of 16).
- Widest gap: return on equity trails 100% of credit unions under $1B in assets in the Huntington-Ashland, WV-KY-OH area (rank 16 of 16).
- Overall: at or above the peer median on 1 of 7 directional measures.
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 |