Bluegrass Community Federal Credit Union
Total assets
$12.7M
▼ -14.0% YoY
Shares & deposits
$10.9M
▼ -18.6% YoY
Loans
$7.1M
▼ -21.5% YoY
Members
1,861
▼ -0.3% YoY
ROA (annualized)
-0.25%
peers 0.60%
ROE (annualized)
-2.57%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -14.0% | +1.3% | -15.3 pts |
| Share growth (YoY) | -18.6% | +0.7% | -19.3 pts |
| Loan growth (YoY) | -21.5% | -2.4% | -19.1 pts |
| ROA | -0.25% | 0.60% | -0.9 pts |
| ROE | -2.6% | 4.1% | -6.7 pts |
ROA ranks in the 17th percentile of its peer group · Q1 2026
Profile
- Established
- 1958
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 3
- Address
- Po Box 81, Ashland, KY, 41105
- NCUA charter #
- 12648
- RSSD ID
- 505381
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $12.7M | $10.9M | $7.1M | $1.3M | $-8K | -0.25% | 4.14% | 3.02% | 1,861 |
| Q4 2025 | $12.3M | $10.9M | $7.6M | $1.3M | $65K | 0.52% | 4.47% | 3.63% | 1,850 |
| Q3 2025 | $13.8M | $11.8M | $8.3M | $1.3M | $86K | 0.84% | 4.00% | 2.63% | 1,851 |
| Q2 2025 | $14.1M | $12.6M | $8.8M | $1.3M | $48K | 0.68% | 3.92% | 1.47% | 1,853 |
| Q1 2025 | $14.8M | $13.3M | $9.0M | $1.2M | $32K | 0.86% | 3.69% | 1.99% | 1,867 |
| Q4 2024 | $14.2M | $12.9M | $9.5M | $1.2M | $19K | 0.14% | 4.30% | 2.48% | 1,857 |
| Q3 2024 | $13.4M | $11.7M | $10.2M | $1.3M | $76K | 0.76% | 4.70% | 1.86% | 1,869 |
| Q2 2024 | $12.7M | $11.2M | $10.3M | $1.2M | $32K | 0.51% | 4.91% | 2.03% | 1,857 |
Loan mix (Q1 2026): real estate $139K · commercial $0 · consumer $6.7M · securities $3.1M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.25% | 0.60% | — | |
Return on equity Annualized net income ÷ equity or net worth | -2.6% | 4.1% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 4.14% | 3.83% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 104.4% | 81.5% | — | |
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% |
Balance sheet
| Ratio | Value | 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% |
Capital
| Ratio | Value | 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% |
Credit quality
| Ratio | Value | 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% |
Franchise
| Ratio | Value | 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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