Bluegrass Community

Ashland, KY · 1 · Charter #12648 · www.bluegrasscreditunion.com
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$12.3M
47th percentile
Members
1,850
62th percentile
Total loans
$7.6M
57th percentile
Total shares
$10.9M
50th percentile

Profitability

Return on assets
0.61%
41th percentile
Net interest margin
4.47%
68th percentile
Efficiency ratio
64.30%
55th percentile
Non-interest income ratio
20.15%
83th percentile

Capital & Risk

Net worth ratio
10.24%
17th percentile
Delinquency rate
3.63%
12th percentile
Net charge-off rate
0.29%
44th percentile
Loan-to-share
69.72%
63th percentile

Growth

Member growth YoY
-0.38%
62th percentile
Asset growth YoY
-13.00%
3th percentile
Loan growth YoY
-19.98%
6th percentile
Share growth YoY
-15.67%
3th percentile

Operations

Members / branch
463
21th percentile
Assets / member
$6,660
28th percentile
Field of membership penetration
3.73%
15th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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