PackageTrendsPeer
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F.C.I. Ashland

Ashland, KY · Charter 4366

NCUA · 1 branch

Q2 2026

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

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

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.

Financial Results

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.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.11%0.11%0.14%0.03%0.07%-4 bps
Return on Equity0.65%0.70%0.95%0.23%0.47%-18 bps
Net Interest Margin1.71%1.73%1.67%1.99%1.89%+18 bps
Efficiency Ratio93.75%91.25%89.48%84.85%89.58%-416 bps
Growth
Asset Growth (YoY)15.30%15.86%16.49%12.43%16.18%+89 bps
Loan Growth (YoY)-2.52%-1.43%6.21%12.55%8.62%+1,114 bps
Share Growth (YoY)18.69%19.34%20.05%14.91%19.33%+64 bps
Asset Quality
Delinquent Loans / Loans0.00%0.11%0.66%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.66%0.71%0.68%0.67%0.66%0 bps
Capital
Risk-Based Capital16.42%15.73%15.27%14.71%14.25%-216 bps
Net Worth / Assets16.42%15.73%15.27%14.71%14.25%-216 bps
Liquidity & Funding
Loans / Shares75.22%72.07%71.98%70.26%68.47%-675 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps