# ASHLAND COMMUNITY
Ashland, OH · NCUA charter 7072 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/ashland-community-7072

Who the members are: federal charter, community charter, organized 1951. 2,706 members of 10,000 potential (27.1% of the field); checking penetration 40% (share draft accounts per 100 members); loans per 100 members 33.

**Verdict on the desk:** this could be *auto monoline*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $22.8M |
| Members | 2,706 (-10.8% YoY) |
| Full-time staff | 4 |
| Net worth | $2.8M |
| Net worth ratio | 12.2% (p32 of band) |
| ROA (annualized) | 1.80% (p91 of band) |
| Total delinquency | 0.34% (p38 of band) |
| Net charge-offs (annualized) | -0.55% (p4 of band) |
| Loans / shares | 81% (p83 of band) |
| Cash / assets | 25.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.13% (p88 of band) |
| Operating expense / assets | 4.45% (p69 of band) |
| Vehicles % of loans | 92% (p98 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 57% |
| Third-party paper % of net worth | 308% (p99 of band) |
| Vehicle delinquency | 0.37% (p47 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 87% |
| Certificates % of member funds | 9% |
| Average share balance | $4,926 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 33% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $18,444 |
| Loans granted, annualized | $8.7M |

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 4 | leaning on borrowings |  |
| 2016-09 | 4 |  |  |
| 2016-12 | 3 |  | leaning on borrowings |
| 2017-03 | 3 |  |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 4 | net worth falling |  |
| 2018-06 | 3 |  | net worth falling |
| 2018-09 | 3 |  |  |
| 2018-12 | 4 | delinquency rising |  |
| 2019-03 | 4 | charge-offs p90 | delinquency rising |
| 2019-06 | 4 | delinquency rising | charge-offs p90 |
| 2019-09 | 3 |  | delinquency rising |
| 2019-12 | 3 |  |  |
| 2020-03 | 3 |  |  |
| 2020-06 | 4 | net worth falling |  |
| 2020-09 | 6 | losing money, margin squeeze |  |
| 2020-12 | 6 | delinquency rising | losing money |
| 2021-03 | 8 | capital below 7%, losing money | delinquency rising |
| 2021-06 | 8 |  |  |
| 2021-09 | 8 | delinquency rising | margin squeeze |
| 2021-12 | 6 |  | losing money, delinquency rising |
| 2022-03 | 6 | delinquency rising | net worth falling |
| 2022-06 | 6 |  |  |
| 2022-09 | 6 |  |  |
| 2022-12 | 4 |  | capital below 7% |
| 2023-03 | 4 | assets shrinking | delinquency rising |
| 2023-06 | 4 |  |  |
| 2023-09 | 5 | delinquency rising |  |
| 2023-12 | 3 |  | assets shrinking, delinquency rising |
| 2024-03 | 2 |  | thin capital |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 3 | delinquency rising |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 4 | margin squeeze |  |
| 2025-09 | 3 | members leaving | delinquency rising, margin squeeze |
| 2025-12 | 3 |  |  |
| 2026-03 | 3 |  |  |

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

- 2020-05-29 [James "Jim" Woodruff Obituary May 29, 2020 - robertsfuneralhome.com](https://news.google.com/rss/articles/CBMicEFVX3lxTFBBNTlYYXJNS1M3cDlTdzJlcUUwU2g5ajdwMGdoN1d3dFRfamVyZm81RHVHQWJ6X25pem13ZjZtOUlLYVcxemh3bDk2MzRZeHBXYWN3ZXFBcTl1eGhBalNmRTVCcHdmbjFVVHYwZmdOdFU?oc=5) · robertsfuneralhome.com
- 2021-04-01 [Ashland County Property Transfers from March 2021 - ashlandsource.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxNZ0NhcEVKSVhwYjk3WVAtZll5QTlIdWhtZFBHQ0lJelNzWEl0d1VVRk90OThhQjg0NzVMOWJTYXJsZ1JuamRicmNvT3lPQXhsTWxXd0VCeDl3RGEwazVwZFdYMHNFYUh5WXYyUGZLUnR2dG9TaGhJQ0ZFWFN1OEZrWkgtNXlwX3ZRc2M3ajllMDZVTVk5alE?oc=5) · ashlandsource.com
- 2024-05-13 [Rosemary L. Roberts Obituary - Ashland Times-Gazette](https://news.google.com/rss/articles/CBMiYkFVX3lxTE04ZTdPc3B5ZWdYWkdIaDFIaUVwNGt2bFlpa1o5dWtyTlVjSVhzSDVzSFlzeU9IVVMydFdsR0VoV3JJWWpZdXNNWFRJZUw5Y1hjbWdrOXNkYWNrSGFGNDRpTElR?oc=5) · Ashland Times-Gazette
- 2024-08-14 [David Foster Obituary Jul 27, 2011 - robertsfuneralhome.com](https://news.google.com/rss/articles/CBMiakFVX3lxTE8tNkQtXzRSbEdhazdDbnpwaGdxTWE0WUs0OUpKMGUxLWl4S3FzMk5wb2J6ODRPZVVtOG1UVjZabzJnaVBlQmFKSkJNbmNLN1dhWDM4ZmZZUjZ0V01tUWhBRF8zZEhNb2VqVHc?oc=5) · robertsfuneralhome.com
- 2026-03-09 [Ruth Alice Armstrong Obituary (2026) - Ashland, OH - Denbow-Gasche Funeral Home and Crematory - Ashland - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxQUXBHczlmaGdhSFhfSll2RjllcUZvSWdoT291NFZUYzJ1VDVwc1ZKRmlSSnZqeXU1YXdFVlBjU01RWEhIWGlyVU5RYVZHRlEtdzFkY0lxbzhUWllQMjJxRzdiTFkzOWtuLU5yODhJVUVyS3h0U1JfcDF4RWpfYk1ZX1Y0MA?oc=5) · legacy.com
- 2021-03-12 [PROPERTY TRANSFERS - Ashland Times-Gazette](https://news.google.com/rss/articles/CBMiowFBVV95cUxPWC1tLW84aUQ2NDZFRW9OUkRmLXB6bDc4TlVrMEdZMGRJcWhRYjBOLVZ4dGtHSEVJbm9HbzVpeWJ4dXRtTnJqUlFnR2I4cE5IMHZBOXdJaENMV3JpcW5LbGZpQ0FZOEZtWUxBek56NVY2T0ZmUk4zSFhwMG84YXlEODJtRjROTjlNMF9aamhXQ1gyMVZjQlgwczRna3JuSW44czdj?oc=5) · Ashland Times-Gazette
- 2013-12-10 [Robert Workman Obituary (1930 - 2013) - Ashland, OH - Pacific Daily News - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxOTTdBZGtMVGl4WmZ6dGVNd1lSdUVUTVBqSUYzbjdDNm4tdXR6M3M2U0FUZ25ZaThBNWJUaHRBRnJqMldqWHI0M2Jsdlp4Y0l2RWJkU2dUZWUwTWJ1WTA3b3BDRlVMZUJZcy05M3E4OS1kZzgzZVVYYlFPSFV5ZlR5M0hWczhnaDRlTGlhYU5n?oc=5) · legacy.com
- 2007-07-01 [Lawrence Coffman Jr Obituary Jul 1, 2007 - robertsfuneralhome.com](https://news.google.com/rss/articles/CBMickFVX3lxTE9ieGFLX2oxdi1GRE1wQlIzR251NU5GUld1a0JtTWxZRUlFNGlGb2lfYjZ1TFg1T0tzYW45RUZKdmNfUkdhVV9RTFpOYnJDTWdXX0hPa09jelVCLXVBTXJPYmRTRWNBc3Z3aEdTYkh2dUU5dw?oc=5) · robertsfuneralhome.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=7072 (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 "7072", 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=7072
- 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