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F.C.I. Ashland

Ashland, KY · Charter 4366

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Huntington-Ashland, WV-KY-OH area3

Basis

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.

Peer group

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.

Peer standing

Capital

63

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

9

Q2 2024Q2 2026peer median (50)

Liquidity

51

Q2 2024Q2 2026peer median

Efficiency

19

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

F.C.I. Ashland

Ashland, KY · Charter 4366

NCUA · 1 branch

Q2 2026

$8.8MAssets
$5.2MLoans
$7.5MShares
$1.3MNet Worth

Executive Summary

  • Earnings: ROA of 0.07%, down 4 bps year over year; NIM at 1.89%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 14.25%, down 216 bps from a year ago.
  • Funding: loans stand at 68.47% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.07%-4 bps YoY

Net Interest Margin (YTD, annualized)

1.89%+18 bps YoY

Efficiency Ratio (YTD, annualized)

89.58%-416 bps YoY

Net Worth / Assets

14.25%-216 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.07%0.06%0.11%0.11%0.11%0.14%0.03%0.07%-4 bps
Return on Equity0.37%0.35%0.69%0.65%0.70%0.95%0.23%0.47%-18 bps
Net Interest Margin2.09%1.93%1.76%1.71%1.73%1.67%1.99%1.89%+18 bps
Efficiency Ratio96.74%96.82%93.55%93.75%91.25%89.48%84.85%89.58%-416 bps
Growth
Asset Growth (YoY)7.44%13.43%17.79%15.30%15.86%16.49%12.43%16.18%+89 bps
Loan Growth (YoY)-7.92%-8.92%-10.15%-2.52%-1.43%6.21%12.55%8.62%+1,114 bps
Share Growth (YoY)9.05%16.52%21.76%18.69%19.34%20.05%14.91%19.33%+64 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.22%0.00%0.11%0.66%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.70%0.72%0.75%0.66%0.71%0.68%0.67%0.66%0 bps
Capital
Risk-Based Capital18.11%17.63%16.40%16.42%15.73%15.27%14.71%14.25%-216 bps
Net Worth / Assets18.11%17.63%16.40%16.42%15.73%15.27%14.71%14.25%-216 bps
Liquidity & Funding
Loans / Shares87.26%81.36%71.74%75.22%72.07%71.98%70.26%68.47%-675 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

F.C.I. Ashland

Ashland, KY · Charter 4366 · Peer group: credit unions under $1B in assets in the Huntington-Ashland, WV-KY-OH area (n=16)

NCUA · 1 branch

Q2 2026

$8.8MAssets
$5.2MLoans
$7.5MShares
$1.3MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets in the Huntington-Ashland, WV-KY-OH area (rank 2 of 16).
  • Widest gap: net interest margin 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 3 of 7 directional measures.

Return on Assets

0.07%

Rank 14 of 16

Net Interest Margin

1.88%

Rank 16 of 16

Efficiency Ratio

90.36%

Rank 14 of 16

Equity / Assets

14.26%

Rank 6 of 16

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.07%0.26%0.64%1.04%Beats 13%14 / 16
Return on Equity0.48%2.11%6.23%8.05%Beats 13%14 / 16
Net Interest Margin1.88%3.27%3.61%4.55%Beats 0%16 / 16
Efficiency Ratio90.36%73.53%78.18%86.56%Beats 19%14 / 16
Asset Quality
Nonperforming Loans / Loans0.00%0.76%1.98%4.44%Beats 100%2 / 16
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio14.26%11.13%12.88%16.82%Beats 63%6 / 16
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets14.26%11.13%12.88%16.82%Beats 63%6 / 16
Liquidity & Funding
Loans / Deposits68.47%50.42%58.02%68.47%75th pctl4 / 16
Loans / Assets58.46%44.10%51.06%58.46%75th pctl4 / 16
Brokered Deposits / Depositsn/aNot reported for this institution