BLUEGRASS COMMUNITY
Charter #12648 · Ashland, KY · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 1.99% sits at the 87th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 3.02% sits at the 89th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.91% sits at the 85th percentile of structural peers — worth a closer look.
- Efficiency ratio of 104.39% sits at the 80th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 12th percentile but its structural peers at the 56th — a 44-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | BLUEGRASS COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $12.75M | 12th pct | 56th pct |
| Members | 1,861 | 41th pct | 56th pct |
| Net worth ratio | 9.83% | 17th pct | 36th pct |
| Return on average assets | -0.26% | 13th pct | 30th pct |
| Net interest margin | 4.21% | 68th pct | 39th pct |
| Cost of funds | 1.99% | 90th pct | 87th pct |
| Loan-to-share | 65.45% | 63th pct | 38th pct |
| Delinquency 60+ days | 3.02% | 93th pct | 89th pct |
| Net charge-off ratio | 1.91% | 94th pct | 85th pct |
| Loan growth YoY | -14.32% | 2th pct | 2th pct |
| Share growth YoY | -8.24% | 1th pct | 7th pct |
| Efficiency ratio | 104.39% | 91th pct | 80th pct |
structural peer set hash: 6d4b0df0bb6768062af0060c79d8398f… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.