Federal credit union · Ashland, Ohio · NCUA charter #7072
Ashland Community
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $23.2M
- Total assets
- 2,693
- Members
- 12.2%
- Net-worth ratio
Ashland Community scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $23.2M; members 2,693; net-worth ratio 12.19%; health rank #1,965 of 4,374; healthier than 54th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,965 of 4,374 health · 2025Q4Ashland Community · health 85/100 · $23.2M · 2025Q4
Call Report peers
Ashland Community in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Ashland Community vs every NCUA-scored credit union
Ashland Community sits in the busiest band, 85-89, alongside 857 other credit unions.
85 Top 46% higher than 54% 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
Peer-gap read for Ashland Community
- Largest favorable gap: Loan-to-Share Ratio at 77.69% vs peer 59.80% (+17.89 pp).
- Largest lag: Net Worth Ratio at 12.19% vs peer 14.86% (-2.67 pp).
Ashland Community: in-state Call Report ranks
- Health composite ranks #88 of 196 among scored Ohio credit unions.
- Ohio assets place: #138 of 196.
- Ohio membership ordinal: #135 of 196.
- One place up in Ohio, U.P.S. (#87) ties at 85/100; one place down, Oucu Financial Credit Union, Inc. (#89) ties at 85/100.
Ashland Community Call Report trajectory
Ashland Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.8% from $23.2M (2025Q4) to $22.8M (2026Q1).
- Net-worth ratio shifted +0.66 pp (11.53% → 12.19%).
12.19% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 85/100 score is built
Ashland Community gives up 15 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.0 pts
Call Report ratios for Ashland Community
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.19% | -2.67 pp |
| Delinquency Rate | 0.19% | -0.96 pp |
| Return on Assets | 1.68% | +0.98 pp |
| Member Growth | -11.96% | - |
| Loan-to-Share Ratio | 77.69% | +17.89 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Ashland Community filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $22.8M | - |
| 2025Q4 | $23.2M | 2,693 |
| 2024Q4 | $21.4M | 3,059 |
| 2023Q4 | $21.6M | 3,088 |
Credit Union Details
- Charter Number
- 7072
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Ohio
- City
- Ashland
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Ashland Community runs one office.
| Office | City |
|---|---|
| Main Office (Main Office) | Ashland, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Ohio
A look at other Ohio credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near Ashland Community
Using this data
- Ashland Community ranks #1,965 of 4,374 nationally on financial health and #88 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Members Trust is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Members Trust
Frequently Asked Questions
Is Ashland Community financially healthy?
Ashland Community has a financial health score of 85/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,965 of 4,374 nationally on health and #88 of 196 in Ohio. Its net worth ratio is 12.19% and its delinquency rate 0.19%.
How does Ashland Community compare to other credit unions?
Ashland Community scores 85/100, higher than 54% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (77.69% vs 59.80%). Its widest shortfall is net worth ratio (12.19% vs 14.86%).
How can I join Ashland Community?
Ashland Community operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Ashland Community directly for the exact boundaries and application steps.
Is my money safe at Ashland Community?
Ashland Community is a federal 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 Community's net worth ratio of 12.19% 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.