Federal credit union · Ashland, Kentucky · NCUA charter #12648
Bluegrass Community
Health score 65/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 65
- Health / 100
- $12.3M
- Total assets
- 1,850
- Members
- 9.8%
- Net-worth ratio
Bluegrass Community scores 65/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $12.3M; members 1,850; net-worth ratio 9.83%; health rank #3,881 of 4,374; healthier than 11th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,881 of 4,374 health · 2025Q4Bluegrass Community · health 65/100 · $12.3M · 2025Q4
Call Report peers
Bluegrass Community in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Bluegrass Community vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Bluegrass Community sits in 65-69 with 275 others.
65 11th percentile higher than 11% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Bluegrass Community: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 69.72% here, 59.80% peer average (+9.92 pp).
- Largest lag: Net Worth Ratio at 9.83% vs peer 14.86% (-5.03 pp).
Bluegrass Community in Kentucky
- Kentucky health ordinal: #49 of 54.
- By total assets, Bluegrass Community is #45 of 54 in Kentucky.
- Membership ranks #41 of 54 among Kentucky CUs with a reported count (1,850 members).
- One place up in Kentucky, Tayco Employees (#48) ties at 65/100; one place down, Kemba Louisville (#50) scores 61/100, 4 points lower.
Bluegrass Community Call Report trajectory
Bluegrass Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.5% from $12.3M (2025Q4) to $12.7M (2026Q1).
- Net-worth ratio shifted -0.41 pp (10.24% → 9.83%).
9.83% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 65/100 score is built
Bluegrass Community gives up 35 points in total. Delinquency Rate costs the most, 22.7 of its 25; Loan-to-Share Ratio loses the least, 0.1.
- Net Worth Ratio 29.6 pts
- Delinquency Rate 2.3 pts
- Return on Assets 9.9 pts
- Member Growth 8.3 pts
- Loan-to-Share Ratio 14.9 pts
Bluegrass Community vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.83% | -5.03 pp |
| Delinquency Rate | 3.63% | +2.49 pp |
| Return on Assets | 0.16% | -0.55 pp |
| Member Growth | -0.38% | - |
| Loan-to-Share Ratio | 69.72% | +9.92 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Bluegrass Community quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $12.7M | - |
| 2025Q4 | $12.3M | 1,850 |
| 2024Q4 | $14.2M | 1,857 |
| 2023Q4 | $11.5M | 1,877 |
Credit Union Details
- Charter Number
- 12648
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Kentucky
- City
- Ashland
- Data Quarter
- 2025Q4
Branch Locations (4)
Per its most recent NCUA branch filing, Bluegrass Community runs 4 offices in 2 different cities across 2 states.
| Office | City |
|---|---|
| Bluegrass Community FCU Main Office (Main Office) | Ashland, KY |
| Area Advertising | Ashland, KY |
| Back up | Ashland, KY |
| Webvault | Charlotte, NC |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Kentucky
A look at other Kentucky credit unions, ranked by how closely their peer group and asset size match this one.
Bluegrass Community nationwide neighbourhoods
Using this data
- Bluegrass Community ranks #3,881 of 4,374 nationally on financial health and #49 of 54 in KY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- KRAFTCOR is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with KRAFTCOR
Frequently Asked Questions
Is Bluegrass Community financially healthy?
On its 2025Q4 NCUA 5300 filing, Bluegrass Community scores 65/100 (Good), with a 9.83% net worth ratio and 3.63% of loans delinquent. It ranks #3,881 of 4,374 nationally on health and #49 of 54 in Kentucky.
How does Bluegrass Community compare to other credit unions?
Bluegrass Community scores 65/100, higher than 11% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (69.72% vs 59.80%). Its widest shortfall is net worth ratio (9.83% vs 14.86%).
How can I join Bluegrass Community?
Bluegrass 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 Bluegrass Community directly for the exact boundaries and application steps.
Is my money safe at Bluegrass Community?
Bluegrass 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. Bluegrass Community's net worth ratio of 9.83% 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.