TellerScore

F.C.I. Ashland Federal Credit Union is a federal credit union headquartered in Ashland, Kentucky, in business for about 85 years. At the end of Q2 2026 it reported $8.8M in total assets and $7.5M in member shares and deposits, with 1 office.

F.C.I. Ashland Federal Credit Union has a TellerScore of 81 out of 100 (strong) based on Q2 2026 data — higher than 68% of its 2,479 credit unions with under $100 million in assets. Among 51 credit unions headquartered in Kentucky, it ranks 16th. Loan quality contributes the most (100/100, 0.00%); earnings contributes the least (23/100, 0.07%).

TellerScore · Q2 2026

Scorecard

Capital cushion93/100
Net worth ratio: 14.25%
Loan quality100/100
Loans 60+ days delinquent ÷ total loans: 0.00%
Earnings23/100
Return on assets (annualized): 0.07%
Funding & liquidity92/100
Loans ÷ shares: 68.5% · 0.0% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.00%

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 2 points (83 → 81), mostly because the capital cushion component weakened by 7 points.

TellerScore
768083Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202476
Q3 202481
Q4 202481
Q1 202581
Q2 202583
Q3 202582
Q4 202577
Q1 202682
Q2 202681
Net worth ratio
7.00%12.91%18.83%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202418.83%
Q3 202418.11%
Q4 202417.63%
Q1 202516.40%
Q2 202516.42%
Q3 202515.73%
Q4 202515.27%
Q1 202614.71%
Q2 202614.25%
Delinquent loans (60+ days)
0.00%0.33%0.66%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.36%
Q3 20240.00%
Q4 20240.00%
Q1 20250.22%
Q2 20250.00%
Q3 20250.11%
Q4 20250.66%
Q1 20260.00%
Q2 20260.00%
Return on assets
0.03%0.09%0.14%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.06%
Q3 20240.07%
Q4 20240.06%
Q1 20250.11%
Q2 20250.11%
Q3 20250.11%
Q4 20250.14%
Q1 20260.03%
Q2 20260.07%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202681$8.8M14.25%0.00%0.07%68.5%
Q1 202682$8.5M14.71%0.00%0.03%70.3%
Q4 202577$8.2M15.27%0.66%0.14%72.0%
Q3 202582$7.9M15.73%0.11%0.11%72.1%
Q2 202583$7.6M16.42%0.00%0.11%75.2%
Q1 202581$7.6M16.40%0.22%0.11%71.7%
Q4 202481$7.0M17.63%0.00%0.06%81.4%
Q3 202481$6.9M18.11%0.00%0.07%87.3%
Q2 202476$6.6M18.83%0.36%0.06%91.6%

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).

Capital ratio14.25%
50th
Problem loans0.00%
94th
Net charge-offs0.00%
77th
Return on assets0.07%
22nd
Loans to deposits68.5%
36th
Uninsured deposits0.0%
81st
Loan-loss reserves0.66%
79th
Texas ratio0.0%
93rd

Similar-size credit unions in Kentucky

InstitutionScoreAssetsCapitalProblem loansCompare
Regional Medical Ctr Hopkins Co Emp Federal Credit UnionCredit union Madisonville, KY87 out of 100, Very strong$9.3M13.9%0.25%vs
Msd Federal Credit UnionCredit union Louisville, KY71 out of 100, Strong$7.8M12.3%0.00%vs
Shawnee TVA Employees Federal Credit UnionCredit union West Paducah, KY90 out of 100, Very strong$6.6M22.6%0.00%vs
Doe Run Federal Credit UnionCredit union Brandenburg, KY44 out of 100, Below average$12.2M11.3%3.53%vs
Kraftcor Federal Credit UnionCredit union Hawesville, KY52 out of 100, Below average$12.4M7.9%1.01%vs
Corning Glass Works Harrodsbg Federal Credit UnionCredit union Harrodsburg, KY73 out of 100, Strong$5.2M22.5%1.00%vs

Deposit insurance

Is my money safe at F.C.I. Ashland Federal Credit Union?

Yes. F.C.I. Ashland Federal Credit Union is a federally insured credit union (NCUA charter #4366). 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 0.0% of shares and deposits ($0) 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 14.25%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

F.C.I. Ashland Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
F.C.I. Ashland Federal Credit Union
Type
Federal credit union
NCUA charter #
4366
RSSD ID
186276
Primary regulator
NCUA
Established
1941
Headquarters
P.O. Box 888, Ashland, KY 41105
Employees
3

Quick answers

F.C.I. Ashland Federal Credit Union: common questions

Is F.C.I. Ashland Federal Credit Union NCUA insured?

Yes. F.C.I. Ashland Federal Credit Union is a federally insured credit union (NCUA charter #4366). 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 F.C.I. Ashland Federal Credit Union's TellerScore?

81 out of 100 (Strong), 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 F.C.I. Ashland Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Ashland

InstitutionScoreAssetsCapitalProblem loansCompare
Kentucky Farmers Bank CorporationBank Catlettsburg, KY93 out of 100, Very strong$328.5M15.7%0.43%vs
Pace Federal Credit UnionCredit union Huntington, WV86 out of 100, Very strong$8.7M12.9%0.00%vs
Liberty BankBank Ironton, OH82 out of 100, Strong$55.7M18.0%0.77%vs
First Priority Federal Credit UnionCredit union Huntington, WV82 out of 100, Strong$74.8M12.5%1.14%vs
Community Trust Bank, Inc.Bank Pikeville, KY80 out of 100, Strong$6.9B13.4%0.58%vs
Citizens Bank of Kentucky, Inc.Bank Paintsville, KY79 out of 100, Strong$669.9M13.5%0.85%vs