BlastPoint's Credit Union Scorecard

ASCENSION

Charter #62018 · LA

100M-500M

1070 CUs in 100M-500M nationally 21 in LA

ASCENSION has 3 strengths but faces 8 concerns

National Analysis

How does the industry compare?

LA Analysis

How does LA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier
+ Net Interest Margin 1.12% above tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- ROA 0.38% below tier average
- Efficiency ratio 13.19% above tier (higher cost structure)
- Total Assets: Bottom 6.4% in tier
- Total Deposits: Bottom 8.2% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Members	10,844 +4.0% YoY+1.4% QoQ	-4.3K	15,145 -2.5% YoY	9,512 +2.6% YoY	33,913 +5.7% YoY	37%
Assets	$109.0M +1.0% YoY+0.5% QoQ	$-122.7M	$231.7M +0.8% YoY	$128.1M +5.9% YoY	$578.3M +9.0% YoY	Bottom 6.4% in tier
Loans	$83.9M +6.3% YoY-1.1% QoQ	$-60.3M	$144.1M +0.2% YoY	$89.6M +5.7% YoY	$402.4M +8.7% YoY	26%
Deposits	$96.4M +1.0% YoY+3.1% QoQ	$-104.7M	$201.1M +0.4% YoY	$109.6M +6.0% YoY	$494.3M +9.1% YoY	Bottom 8.1% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.3% +30.9% YoY+3.5% QoQ	-0.4%	0.7% +5.1% YoY	0.1% -79.1% YoY	0.4% -39.2% YoY	26%
NIM	4.8% +2.3% YoY+0.3% QoQ	+1.1%	3.6% +4.6% YoY	4.2% -0.4% YoY	3.8% +4.1% YoY	Top 5.4% in tier
Efficiency Ratio	91.2% -1.8% YoY-0.9% QoQ	+13.2%	78.0% -1.7% YoY	88.0% +2.9% YoY	84.6% +2.8% YoY	Bottom 12.8% in tier
Delinquency Rate	0.2% +156.4% QoQ	-0.6	0.8% +7.1% YoY	1.7% -21.7% YoY	1.2% +3.4% YoY	Top 10.7% in tier
Loan To Share	87.0% +5.2% YoY-4.1% QoQ	+16.6%	70.4% -0.4% YoY	68.2% -2.4% YoY	65.6% -1.4% YoY	83%
AMR	$16,625 -0.6% YoY-0.3% QoQ	$-8K	$24,918 +2.7% YoY	$13,483 +2.5% YoY	$19,920 +1.6% YoY	Bottom 14.7% in tier
CD Concentration	27.6% -4.2% YoY-0.1% QoQ	+3.4%	24.3%	14.9%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	5.1%	7.7%	50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#111 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 4.05%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Organic Growth Engine

growth

#169 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 4.05%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.35%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Concerns (4)

Efficiency Drag

risk

#139 of 596 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 91.22%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.08% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): 4.05%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank worsening

Credit Risk Growth

risk

#243 of 476 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 6.25%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.15% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk

#407 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.15% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Shrinking Wallet Share

decline

#225 of 238 • Bottom 50.0% in tier

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

Why This Signature

AMR Growth (YoY): -0.65%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 4.75%

Peer Median: 3.62%

#58 of 1070 Top 5.3% in 100M-500M tier

115

Total Delinquency Rate (60+ days)

risk

Value: 0.17%

Peer Median: 0.61%

#115 of 1070 Top 10.7% in 100M-500M tier

154

Member Growth Rate

growth

Value: 4.05%

Peer Median: -0.06%

#154 of 1070 Top 14.3% in 100M-500M tier

179

Loan-to-Share Ratio

balance_sheet

Value: 87.01%

Peer Median: 71.88%

#179 of 1070 Top 16.6% in 100M-500M tier

252

First Mortgage Concentration (%)

balance_sheet

Value: 16.50%

Peer Median: 29.47%

#252 of 1070 Top 23.5% in 100M-500M tier

Top Weaknesses (6 metrics)

1002

Total Assets

balance_sheet

Value: $109.02M

Peer Median: $196.57M

#1002 of 1070 Bottom 6.4% in 100M-500M tier

983

Total Deposits

balance_sheet

Value: $96.40M

Peer Median: $171.29M

#983 of 1070 Bottom 8.2% in 100M-500M tier

934

Efficiency Ratio

profitability

Value: 91.22%

Peer Median: 78.68%

#934 of 1070 Bottom 12.8% in 100M-500M tier

913

Average Member Relationship (AMR)

engagement

Value: $16,625

Peer Median: $22,931

#913 of 1070 Bottom 14.8% in 100M-500M tier

884

AMR Growth Rate

growth

Value: -0.65%

Peer Median: 3.46%

#884 of 1070 Bottom 17.5% in 100M-500M tier

818

Asset Growth Rate

growth

Value: 1.02%

Peer Median: 3.91%

#818 of 1070 Bottom 23.6% in 100M-500M tier