ASCENT

Charter #11520 | UT

100M-500M (1077 CUs) Micro
13 100M-500M in UT

ASCENT has 1 strength but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 28.9% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 2.3% in tier
  • - Shrinking Wallet Share: Bottom 20.6% in tier
  • - ROA 0.65% below tier average
  • - Efficiency ratio 14.11% above tier (higher cost structure)
  • - Members Per Employee (MPE): Bottom 3.9% in tier
  • - Loan Growth Rate: Bottom 6.8% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (UT) National Avg Tier Percentile
Members 9,265
-0.4% YoY+0.2% QoQ
 -6.4K 15,628
-3.4% YoY
 76,315
+6.4% YoY
 33,089
+6.1% YoY
 Bottom 24.4% in tier
Assets $169.8M
+2.2% YoY+2.2% QoQ
 $-61.5M $231.3M
-0.0% YoY
 $1.2B
+10.2% YoY
 $547.7M
+7.8% YoY
 39th in tier
Loans $130.3M
-7.3% YoY-2.4% QoQ
 $-17.5M $147.8M
-1.4% YoY
 $924.9M
+10.2% YoY
 $388.7M
+8.6% YoY
 53rd in tier
Deposits $153.3M
+3.9% YoY+2.2% QoQ
 $-47.0M $200.3M
-0.0% YoY
 $1.1B
+10.6% YoY
 $464.6M
+9.3% YoY
 42nd in tier
ROA 0.1%
-296.8% YoY+37.3% QoQ
 -0.7% 0.8%
+15.5% YoY
 0.9%
+11.6% YoY
 0.7%
+273.4% YoY
 Bottom 11.1% in tier
NIM 3.0%
+6.0% YoY+1.0% QoQ
 -0.5% 3.6%
+6.9% YoY
 3.4%
+7.0% YoY
 3.7%
+5.0% YoY
 Bottom 21.0% in tier
Efficiency Ratio 91.4%
-4.4% YoY-1.1% QoQ
 +14.1% 77.3%
-3.0% YoY
 71.6%
-3.7% YoY
 79.1%
-3.3% YoY
 Top 8.2% in tier
Delinquency Rate 0.5%
-32.4% YoY+21.1% QoQ
 -0.3 0.9%
+7.6% YoY
 0.7%
+11.8% YoY
 1.2%
-0.9% YoY
 39th in tier
Loan To Share 85.0%
-10.8% YoY-4.5% QoQ
 +12.3% 72.7%
-1.5% YoY
 78.2%
-2.6% YoY
 68.0%
-1.7% YoY
 75th in tier
AMR $30,609
-1.1% YoY-0.2% QoQ
 +$6K $24,363
+2.9% YoY
 $21,167
+3.5% YoY
 $19,418
+1.3% YoY
 Top 15.2% in tier
CD Concentration 32.5%
+9.0% YoY+0.9% QoQ
 +8.1% 24.4%
+4.2% YoY
 27.9%
+4.6% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 11.5%
-13.1% YoY-3.6% QoQ
 -2.5% 14.0%
-5.8% YoY
 7.4%
-10.5% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (1)

Emerging Performer

growth
#543 of 627 • Top 28.9% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.14%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): -0.44%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | New qualifier

Concerns (2)

Efficiency Drag

risk
#42 of 521 • Bottom 2.3% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 91.39%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.21% points
(Tier: 0.11% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): -0.44%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank improving

Shrinking Wallet Share

decline
#206 of 244 • Bottom 20.6% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -1.12%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 1077 Community CUs have this signature | 346 nationally
↓ Shrinking -221 CUs YoY | New qualifier

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 1077 peers in tier

Top Strengths (2 metrics)

141
Loan-to-Member Ratio (LMR)
engagement
Value: $14,060
Peer Avg: $10,245
#141 of 1077 Top 13.0% in 100M-500M tier
164
Average Member Relationship (AMR)
engagement
Value: $30,609
Peer Avg: $24,363
#164 of 1077 Top 15.1% in 100M-500M tier

Top Weaknesses (10 metrics)

1036
Members Per Employee (MPE)
engagement
Value: 197.128
Peer Avg: 332.881
#1036 of 1077 Bottom 3.9% in 100M-500M tier
1005
Loan Growth Rate
growth
Value: -7.28%
Peer Avg: 3.45%
#1005 of 1077 Bottom 6.8% in 100M-500M tier
990
Efficiency Ratio
profitability
Value: 91.39%
Peer Avg: 77.28%
#990 of 1077 Bottom 8.2% in 100M-500M tier
957
Return on Assets (ROA)
profitability
Value: 0.14%
Peer Avg: 0.79%
#957 of 1077 Bottom 11.2% in 100M-500M tier
939
First Mortgage Concentration (%)
balance_sheet
Value: 50.97%
Peer Avg: 30.43%
#939 of 1077 Bottom 12.9% in 100M-500M tier
909
AMR Growth Rate
growth
Value: -1.12%
Peer Avg: 3.64%
#909 of 1077 Bottom 15.7% in 100M-500M tier
903
Net Worth Ratio
risk
Value: 9.21%
Peer Avg: 12.15%
#903 of 1077 Bottom 16.2% in 100M-500M tier
852
Share Certificate Concentration (%)
balance_sheet
Value: 32.53%
Peer Avg: 23.61%
#852 of 1077 Bottom 21.0% in 100M-500M tier
851
Net Interest Margin (NIM)
profitability
Value: 3.04%
Peer Avg: 3.58%
#851 of 1077 Bottom 21.1% in 100M-500M tier
813
Total Members
engagement
Value: 9,265
Peer Avg: 15,628
#813 of 1077 Bottom 24.6% in 100M-500M tier