Charter 61792 · Ashland, KY
Ashland Credit Union
Ashland Credit Union is a state-chartered credit union in Ashland, Kentucky, with $412 million in assets and 46,980 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 12.26%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $412 million
- +0.6% in a year
- Members
- 46,980
- +3.4% in a year
- Net worth ratio
- 12.26%
- Peer median 11.65%
- Loans 60+ days late
- 1.29%
- Peer median 0.70%
- Loans outstanding
- $291 million
- +0.8% in a year
- Shares and deposits
- $355 million
- +0.7% in a year
- Branches
- 5
- 86 employees
- Opened
- 1942
- Kentucky charter
How Ashland Credit Union compares
NCUA groups credit unions by size; Ashland Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 12.26% is higher than that group's median of 11.65%, and its share of loans 60 or more days past due, 1.29%, is higher than the group median of 0.70%. Loans grew 0.8% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 9 of 51 credit unions headquartered in Kentucky. See all Kentucky credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $412 million | 46,980 | $291 million | 12.26% | 1.29% |
| Q1 2026 | $412 million | 46,592 | $284 million | 12.18% | 1.50% |
| Q4 2025 | $409 million | 46,137 | $289 million | 12.22% | 1.48% |
| Q3 2025 | $409 million | 45,915 | $287 million | 12.11% | 1.50% |
| Q2 2025 | $410 million | 45,426 | $289 million | 12.03% | 1.19% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 3.6 million potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 5 sites for Ashland Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Cottage Grove Branch
8711 E Point Douglas Rd S Ste 101, Cottage Grove, MN 55016 - Lexington
100 Valvoline Way, Lexington, KY 40509 - Boyd Co Branch
10700 Us Route 60, Ashland, KY 41102 - Ashland Credit Union Russell Branch
1200 Diederich Blvd, Russell, KY 41169 - ACU Headquarters (main office)
305 Martin Luther King Jr Blvd, Ashland, KY 41101
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology