# ASHLAND
ASHLAND, KY · NCUA charter 61792 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/ashland-61792

Who the members are: state charter, organized 1942, low-income designated. 46,592 members of 3,645,487 potential (1.3% of the field); checking penetration 28% (share draft accounts per 100 members); loans per 100 members 30.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $412.5M |
| Members | 46,592 (3.7% YoY) |
| Full-time staff | 83 |
| Net worth | $50.2M |
| Net worth ratio | 12.2% (p63 of band) |
| ROA (annualized) | 0.25% (p19 of band) |
| Total delinquency | 1.50% (p92 of band) |
| Net charge-offs (annualized) | 0.66% (p75 of band) |
| Loans / shares | 80% (p65 of band) |
| Cash / assets | 12.6% |
| Borrowings / assets | 1.90% |
| Net interest margin | 3.28% (p31 of band) |
| Operating expense / assets | 3.32% (p35 of band) |
| Vehicles % of loans | 38% (p60 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p9 of band) |
| Vehicle delinquency | 2.42% (p97 of band) |
| Vehicle NCO | 0.87% (p63 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 49% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 4% |
| Core shares % of member funds | 17% |
| Certificates % of member funds | 43% |
| Average share balance | $4,520 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 30% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $20,067 |
| Loans granted, annualized | $82.6M |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | net worth falling |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | net worth falling |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | net worth falling |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 0 |  | net worth falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | delinquency rising |  |
| 2020-03 | 0 |  | delinquency rising |
| 2020-06 | 1 | net worth falling |  |
| 2020-09 | 0 |  | net worth falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | net worth falling |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | net worth falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | delinquency rising |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 0 |  | delinquency rising |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 1 | net worth falling |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 2 | delinquency rising |  |
| 2024-12 | 1 |  | net worth falling |
| 2025-03 | 2 | delinquency 2x band |  |
| 2025-06 | 0 |  | delinquency rising, delinquency 2x band |
| 2025-09 | 1 | delinquency 2x band |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-01-08 [The Best Savings Accounts in Kentucky for 2026 - moneyrates.com](https://news.google.com/rss/articles/CBMieEFVX3lxTFBreXZWUEhfUnAtYjJEcko0bXpfVlFnZjd6RGFLWEhGWlJqOWRDSTlvQnB5OFFOSXoxRTRPVU05VHpUREVCMTVvcTZpZUt0SGpiSEhndjJzYWh6VmRBc3l3dnhwSE9pZ3dzTzlRcXB1WDV4dy15YzRrZA?oc=5) · moneyrates.com
- 2026-07-13 [Adkins, senior adviser to Beshear, leaving Kentucky governor’s administration - The Daily Independent](https://news.google.com/rss/articles/CBMi7wFBVV95cUxOMmRwb3VxV0FDU01vWHlLSGtEaFRPWXo5U2p0bkZYV1RBRzVmWVFkaW1FbHVhblp1M1JGUGJLdjJrT3RQeGp0aFdURElMdnBwMFZBNEZMVThnb1FrOTBfdFFhMlFlVXBPRXZfekFQWlhwdGRKa1hsN25DWnZ2SHJLOFpWRXZwNl9US2hqUFdMczIzNUNObFhQaVZuZ1NxTFRtUmViUndBQXNJbDZveEtoX1FoSVdvYUg3SXdzNVM1Vl96RG5NMzZGcFdMR3NIYUJ1U0hoQzRqYzQ1LVlLYl95R3FseEtUWkZhYXBPMDljRQ?oc=5) · The Daily Independent
- 2019-04-07 [Suspect in Ashland credit union robbery taken into custody - WCHS](https://news.google.com/rss/articles/CBMikgFBVV95cUxNcTU0bFBlYVZteTRkeFpEa2J5cXdZX0NFRnlDYUtsdWh0YlNQczlFczRYWlRwWUxPM0ViQ0lRSGNNMkZrb0FMaTRBRUUyazBWQU5TR3A3V1lXVTJ6bmJpd1J1T1VtUkZkOGk0MW9PVTZTNVNaY3ZKaUVtMEhEUktqdE1QZXZHcjNONlNlZGN5S0thQQ?oc=5) · WCHS
- 2023-08-08 [Kentucky Credit Union League selects Jim Kasch as President/CEO - CUInsight](https://news.google.com/rss/articles/CBMipwFBVV95cUxOVG95U21jUU9RRGRjWlhNVG9GS3Etbk8wWkdwVjA4b0ItVmRnM0ZPZ1I2cWVxNFBMdnZGdWVtSVIzekNiSTZjZGtIbC1UemZEaHp2V2FPV3FRa2dVN01mOURETEc2RnlpckU5Vkt4bXYyMDdieGFtcERHOVJsbUF5YXBJREdkOHFIcmNRNmRXN0k2bm1kblE4cXhyZzBVcFpSSzlFdGNIaw?oc=5) · CUInsight
- 2019-04-05 [UPDATE | Police arrest robbery suspect - wsaz.com](https://news.google.com/rss/articles/CBMioAFBVV95cUxOXzMteFhqM251N3NRUHJmQVV0R1ZrUThMMjVDVUl6clB4MFJtYVBVdHNlQV9SQWwyZkJkTjhSc1AtbFhTV1dvTGh1OVI1aXNtSktNek9mYURDZmdUTGdGc2tuQVRSUkR4R0JhVWdUSjMyMUtXdVFzUm5vVVNIMC1nRmstMGhSSl9aQjBpWm9lakpwM3NqR1U0ZThkWllTcGxi?oc=5) · wsaz.com
- 2021-03-29 [New Desco location to open today - irontontribune.com](https://news.google.com/rss/articles/CBMie0FVX3lxTFBWMkpheW5LMnJ1b2tVLWZ0b2FWSXY5STNHeTgzVWRBMjJDOVM5eURoRjRPSWdXVFZ6RnVQZ3NMWV9QekJMVzhPYVB1QXdKamV2TFc4QVhXWjFubDZ0ckNodXFEUlpSdDR3NW0ta3IyZDk5VzJTSWR5ODI4VQ?oc=5) · irontontribune.com
- 2022-10-19 [CEO's son taking over at Members Choice Credit Union in Kentucky - American Banker](https://news.google.com/rss/articles/CBMisgFBVV95cUxQb2FtMDB0N0hyR3M5WEV5clYwNkM4eWd3U0hYaWk2UFNPcThZSVhFdnNmS1p3aUwtb094WGFMenNyd1VHSzVPRUgzWlcyeVQ2QUUtb3ZHcE5nU0FFeC1FUkVwd3phWFlURzUtUGprRUVCajdPNjZUdkNhV3JLMlNIUVNPVjNGQk1neXlGaVFBODUzajZaWW83T2UyUjNiZjJqZDZFTmhDcUZrUklsTy13amJ3?oc=5) · American Banker
- 2022-10-06 [Deborde named president/CEO of Members Choice Credit Union - The Lane Report](https://news.google.com/rss/articles/CBMiowFBVV95cUxNUlllWVp2bERQMm0xNnRDUERldzE3alh2clRyem9rVlRkRjJfZWx5THJpLVBlN0kyLWdEbDRSR0JOSWt6aHo1cjNaYl91Q1ZvakRFMUVYQS1IZFlIY18wZmJ0c1RpazdPXzZBT2pPblotbHMxRXhHbGJKYVBNYXROekdSVmFpaDhiSXN2YUtCMGJqeHZLeTM3S3htRkNqdndiWTdr?oc=5) · The Lane Report

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=61792 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/32.json (key "61792", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=61792
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide