| Metric | Ashland Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.0% | +3.9% | -2.9 pts |
| Share growth (YoY) | +0.7% | +3.3% | -2.6 pts |
| Loan growth (YoY) | -1.4% | +2.9% | -4.4 pts |
| ROA | 0.25% | 0.69% | -0.4 pts |
| ROE | 2.1% | 5.9% | -3.9 pts |
ROA ranks in the 20th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $412.5M | $354.9M | $284.3M | $50.2M | $261K | 0.25% | 3.28% | 1.50% | 46,592 |
| Q4 2025 | $408.9M | $350.7M | $288.7M | $50.0M | $3.0M | 0.74% | 3.26% | 1.48% | 46,137 |
| Q3 2025 | $409.5M | $351.5M | $287.4M | $49.6M | $2.5M | 0.83% | 3.22% | 1.50% | 45,915 |
| Q2 2025 | $409.5M | $352.4M | $288.7M | $49.3M | $2.2M | 1.10% | 3.17% | 1.19% | 45,426 |
| Q1 2025 | $408.3M | $352.4M | $288.4M | $47.6M | $574K | 0.56% | 3.09% | 1.18% | 44,940 |
| Q4 2024 | $404.1M | $349.0M | $292.7M | $47.0M | $1.0M | 0.25% | 2.96% | 1.34% | 44,555 |
| Q3 2024 | $402.7M | $346.7M | $293.9M | $46.9M | $750K | 0.25% | 2.94% | 1.13% | 44,095 |
| Q2 2024 | $397.0M | $342.1M | $291.3M | $46.8M | $649K | 0.33% | 2.95% |
| Ratio | Ashland Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.25% | 0.69% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | 2.1% | 5.9% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.28% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.88% |
| 43,566 |
Loan mix (Q1 2026): real estate $139.3M · commercial $1.9M · consumer $125.2M · securities $60.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.7% | 78.7% | 54th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Ashland Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Ashland Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Ashland Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Ashland Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.