State credit union · ASHLAND, Kentucky · NCUA charter #61792
ASHLAND
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $408.9M
- Total assets
- 46,137
- Members
- 12.2%
- Net-worth ratio
ASHLAND scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $408.9M; members 46,137; net-worth ratio 12.18%; health rank #1,806 of 4,374; healthier than 57th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,806 of 4,374 health · 2025Q4ASHLAND · health 86/100 · $408.9M · 2025Q4
Call Report peers
ASHLAND in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
ASHLAND vs every NCUA-scored credit union
ASHLAND sits in the busiest band, 85-89, alongside 857 other credit unions.
86 Top 43% higher than 57% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
ASHLAND vs $100M–$500M peers
- Largest favorable gap: Loan-to-Share Ratio at 82.33% vs peer 72.20% (+10.13 pp).
- Largest lag: Delinquency Rate at 1.48% vs peer 0.89% (+0.58 pp).
ASHLAND in Kentucky
- Health composite ranks #18 of 54 among scored Kentucky credit unions.
- Kentucky assets place: #9 of 54.
- Kentucky membership ordinal: #8 of 54.
- One place up in Kentucky, Regional Medical Ctr Hopkins Co Emp (#17) scores 87/100, 1 point higher; one place down, University of Kentucky (#19) ties at 86/100.
ASHLAND Call Report trajectory
ASHLAND: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.9% from $408.9M (2025Q4) to $412.5M (2026Q1).
- Net-worth ratio shifted -0.04 pp (12.22% → 12.18%).
This credit union's 12.18% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 86/100 score is built
ASHLAND gives up 14 points in total. Delinquency Rate costs the most, 8.6 of its 25; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 16.4 pts
- Return on Assets 11.3 pts
- Member Growth 13.3 pts
- Loan-to-Share Ratio 15.0 pts
ASHLAND health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.18% | +0.07 pp |
| Delinquency Rate | 1.48% | +0.58 pp |
| Return on Assets | 0.25% | -0.37 pp |
| Member Growth | 3.55% | - |
| Loan-to-Share Ratio | 82.33% | +10.13 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - ASHLAND
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $412.5M | - |
| 2025Q4 | $408.9M | 46,137 |
| 2024Q4 | $404.1M | 44,555 |
| 2023Q4 | $376.4M | 42,392 |
Credit Union Details
- Charter Number
- 61792
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Kentucky
- City
- ASHLAND
- Data Quarter
- 2025Q4
Branch Locations (5)
The NCUA branch filing lists 5 physical offices for ASHLAND, spread across 4 cities in 2 states.
| Office | City |
|---|---|
| ACU Headquarters (Main Office) | ASHLAND, KY |
| Boyd Co Branch | ASHLAND, KY |
| Cottage Grove Branch | Cottage Grove, MN |
| Lexington | Lexington, KY |
| Ashland Credit Union Russell Branch | Russell, KY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Kentucky
More federally-insured credit unions based in Kentucky, ordered by peer group match and asset size.
ASHLAND nationwide neighbourhoods
Using this data
- ASHLAND ranks #1,806 of 4,374 nationally on financial health and #18 of 54 in KY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Members Choice is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Members Choice
Frequently Asked Questions
Is ASHLAND financially healthy?
ASHLAND has a financial health score of 86/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,806 of 4,374 nationally on health and #18 of 54 in Kentucky. Its net worth ratio is 12.18% and its delinquency rate 1.48%.
How does ASHLAND compare to other credit unions?
ASHLAND scores 86/100, higher than 57% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (82.33% vs 72.20%). Its widest shortfall is delinquency rate (1.48% vs 0.89%).
How can I join ASHLAND?
Membership eligibility for ASHLAND depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact ASHLAND directly for current membership requirements and application steps.
Is my money safe at ASHLAND?
ASHLAND is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. ASHLAND's net worth ratio of 12.18% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.