F.C.I. ASHLAND
Charter #4366 · Ashland, KY · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.03% sits at the 23rd percentile of structural peers — worth a closer look.
- Net interest margin of 2.03% sits at the 3rd percentile of structural peers — worth a closer look.
- Cost of funds of 4.32% sits at the 98th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 90th percentile but its structural peers at the 52nd — a 38-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 | F.C.I. ASHLAND | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $8.53M | 90th pct | 52th pct |
| Members | 742 | 65th pct | 28th pct |
| Net worth ratio | 14.71% | 37th pct | 44th pct |
| Return on average assets | 0.03% | 34th pct | 23th pct |
| Net interest margin | 2.03% | 7th pct | 3th pct |
| Cost of funds | 4.32% | 100th pct | 98th pct |
| Loan-to-share | 70.26% | 64th pct | 52th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.00% | 22th pct | 28th pct |
| Loan growth YoY | 6.14% | 90th pct | 93th pct |
| Share growth YoY | 8.87% | 92th pct | 89th pct |
| Efficiency ratio | 84.85% | 48th pct | 52th pct |
structural peer set hash: b5e4a75caf3ed45fecf50b64499b1c17… (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.