Bluegrass Community Federal Credit Union (NCUA charter #12648) is based in Ashland, Kentucky. Its Q2 2026 call report shows $12.9M in total assets and $11.5M in member shares and deposits and 4 offices across 2 states.
Bluegrass Community Federal Credit Union has a TellerScore of 36 out of 100 (low) based on Q2 2026 data — higher than only 2% of its 2,479 credit unions with under $100 million in assets. Among 51 credit unions headquartered in Kentucky, it ranks 51st. Funding & liquidity contributes the most (100/100, 58% loans-to-deposits, 3% uninsured); loan quality contributes the least (0/100, 3.05%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 20 points (56 → 36), mostly because the loan quality component weakened by 51 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 47 |
| Q3 2024 | 51 |
| Q4 2024 | 39 |
| Q1 2025 | 50 |
| Q2 2025 | 56 |
| Q3 2025 | 47 |
| Q4 2025 | 43 |
| Q1 2026 | 37 |
| Q2 2026 | 36 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 9.70% |
| Q3 2024 | 9.52% |
| Q4 2024 | 8.52% |
| Q1 2025 | 8.35% |
| Q2 2025 | 8.91% |
| Q3 2025 | 9.38% |
| Q4 2025 | 10.24% |
| Q1 2026 | 9.83% |
| Q2 2026 | 9.56% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 2.03% |
| Q3 2024 | 1.86% |
| Q4 2024 | 2.48% |
| Q1 2025 | 1.99% |
| Q2 2025 | 1.47% |
| Q3 2025 | 2.63% |
| Q4 2025 | 3.63% |
| Q1 2026 | 3.02% |
| Q2 2026 | 3.05% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.51% |
| Q3 2024 | 0.76% |
| Q4 2024 | 0.14% |
| Q1 2025 | 0.86% |
| Q2 2025 | 0.68% |
| Q3 2025 | 0.84% |
| Q4 2025 | 0.52% |
| Q1 2026 | -0.25% |
| Q2 2026 | -0.39% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 36 | $12.9M | 9.56% | 3.05% | -0.39% | 58.0% |
| Q1 2026 | 37 | $12.7M | 9.83% | 3.02% | -0.25% | 65.5% |
| Q4 2025 | 43 | $12.3M | 10.24% | 3.63% | 0.52% | 69.7% |
| Q3 2025 | 47 | $13.8M | 9.38% | 2.63% | 0.84% | 70.1% |
| Q2 2025 | 56 | $14.1M | 8.91% | 1.47% | 0.68% | 69.4% |
| Q1 2025 | 50 | $14.8M | 8.35% | 1.99% | 0.86% | 67.8% |
| Q4 2024 | 39 | $14.2M | 8.52% | 2.48% | 0.14% | 73.5% |
| Q3 2024 | 51 | $13.4M | 9.52% | 1.86% | 0.76% | 87.0% |
| Q2 2024 | 47 | $12.7M | 9.70% | 2.03% | 0.51% | 91.7% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Kentucky
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Kraftcor Federal Credit UnionCredit union Hawesville, KY | 52 out of 100, Below average | $12.4M | 7.9% | 1.01% | vs |
| Doe Run Federal Credit UnionCredit union Brandenburg, KY | 44 out of 100, Below average | $12.2M | 11.3% | 3.53% | vs |
| Brown-Forman Employees Credit UnionCredit union Louisville, KY | 71 out of 100, Strong | $14.4M | 19.6% | 1.71% | vs |
| Regional Medical Ctr Hopkins Co Emp Federal Credit UnionCredit union Madisonville, KY | 87 out of 100, Very strong | $9.3M | 13.9% | 0.25% | vs |
| F.C.I. Ashland Federal Credit UnionCredit union Ashland, KY | 81 out of 100, Strong | $8.8M | 14.3% | 0.00% | vs |
| W B H Employees Federal Credit UnionCredit union Paducah, KY | 73 out of 100, Strong | $17.6M | 13.0% | 0.05% | vs |
Deposit insurance
Is my money safe at Bluegrass Community Federal Credit Union?
Yes. Bluegrass Community Federal Credit Union is a federally insured credit union (NCUA charter #12648). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 2.9% of shares and deposits ($331K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 9.56%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
4 locations
Branches
Bluegrass Community Federal Credit Union lists 4 offices in 2 cities across 2 states. Most locations:
- Ashland, KY (3)
- Charlotte, NC (1)
Identity & history
Profile
- Legal name
- Bluegrass Community Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 12648
- RSSD ID
- 505381
- Primary regulator
- NCUA
- Established
- 1958
- Headquarters
- Po Box 81, Ashland, KY 41105
- Employees
- 4
Quick answers
Bluegrass Community Federal Credit Union: common questions
Is Bluegrass Community Federal Credit Union NCUA insured?
Yes. Bluegrass Community Federal Credit Union is a federally insured credit union (NCUA charter #12648). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Bluegrass Community Federal Credit Union's TellerScore?
36 out of 100 (Low), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Bluegrass Community Federal Credit Union have?
4 offices as of the latest NCUA data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Ashland
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Kentucky Farmers Bank CorporationBank Catlettsburg, KY | 93 out of 100, Very strong | $328.5M | 15.7% | 0.43% | vs |
| Pace Federal Credit UnionCredit union Huntington, WV | 86 out of 100, Very strong | $8.7M | 12.9% | 0.00% | vs |
| Liberty BankBank Ironton, OH | 82 out of 100, Strong | $55.7M | 18.0% | 0.77% | vs |
| First Priority Federal Credit UnionCredit union Huntington, WV | 82 out of 100, Strong | $74.8M | 12.5% | 1.14% | vs |
| F.C.I. Ashland Federal Credit UnionCredit union Ashland, KY | 81 out of 100, Strong | $8.8M | 14.3% | 0.00% | vs |
| Community Trust Bank, Inc.Bank Pikeville, KY | 80 out of 100, Strong | $6.9B | 13.4% | 0.58% | vs |