BlastPoint's Credit Union Scorecard

ASCENSION

Charter #62018 · LA

100M-500M

1024 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 1.23% above tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- ROA 0.49% below tier average
- Efficiency ratio 13.87% above tier (higher cost structure)
- Total Assets: Bottom 5.8% in tier
- Total Deposits: Bottom 7.6% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 21 that size in Louisiana.
Shares and deposits +2.5% year over year ($95.3M in shares and deposits).
Membership: 10,971 members, +4.1% vs a year ago.
Delinquency rate 0.35%.
Return on assets 0.37%.
Efficiency ratio 90.60% vs a 76.73% peer average.
Loan-to-share ratio 87.58% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Members	10,971 +4.1% YoY+1.2% QoQ	-4.2K	15,168 -2.6% YoY	9,550 +2.7% YoY	34,678 +6.6% YoY	37%
Assets	$108.1M +2.6% YoY-0.8% QoQ	$-123.9M	$232.0M +0.7% YoY	$130.2M +7.1% YoY	$593.1M +10.2% YoY	Bottom 5.7% in tier
Loans	$83.5M +4.4% YoY-0.5% QoQ	$-62.8M	$146.3M +0.2% YoY	$92.6M +7.3% YoY	$418.6M +10.1% YoY	25%
Deposits	$95.3M +2.5% YoY-1.1% QoQ	$-105.4M	$200.7M +0.2% YoY	$111.6M +7.6% YoY	$504.8M +10.3% YoY	Bottom 7.5% 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	0.4% +25.5% YoY+6.4% QoQ	-0.5%	0.9% +12.5% YoY	1.1% +258.0% YoY	1.2% +121.4% YoY	19%
NIM	4.9% +5.3% YoY+3.5% QoQ	+1.2%	3.7% +4.5% YoY	4.2% -0.2% YoY	3.8% +2.3% YoY	Top 4.1% in tier
Efficiency Ratio	90.6% -2.3% YoY-0.7% QoQ	+13.9%	76.7% -0.8% YoY	89.3% +0.7% YoY	83.0% -5.3% YoY	Bottom 10.4% in tier
Delinquency Rate	0.3% +105.0% QoQ	-0.5	0.9% +6.6% YoY	2.0% +21.9% YoY	1.3% +2.6% YoY	23%
Loan To Share	87.6% +1.9% YoY+0.7% QoQ	+16.0%	71.5% -0.3% YoY	68.1% -2.7% YoY	66.4% -1.4% YoY	81%
AMR	$16,296 -0.7% YoY-2.0% QoQ	$-9K	$25,107 +3.2% YoY	$13,536 +2.7% YoY	$20,028 -0.9% YoY	Bottom 14.0% in tier
CD Concentration	26.9% -5.1% YoY-2.6% QoQ	+2.4%	24.6%	15.1%	20.0%	50%
Indirect Auto %	0.0%	-13.6%	13.6%	5.1%	7.7%	50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#91 of 342 • 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): 4.13%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.63%, National: 7.71%)

better than tier avg

342 of 1024 Mid-Small & Community CUs have this signature | 485 nationally

↓ Shrinking -91 CUs YoY | Rank improving

Organic Growth Engine

growth

#159 of 344 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 4.13%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Return on Assets: 0.37%

(Tier: 0.85%, National: 1.23%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.63%, National: 7.71%)

better than tier avg

344 of 1024 Mid-Small & Community CUs have this signature | 490 nationally

↓ Shrinking -271 CUs YoY | Rank improving

Concerns (4)

Efficiency Drag

risk

#111 of 531 • 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: 90.60%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): 0.08% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

Member Growth (YoY): 4.13%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 CUs YoY | Rank improving

Credit Quality Pressure

risk

#225 of 693 • 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): 0.33% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | New qualifier

Credit Risk Growth

risk

#203 of 472 • 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): 4.43%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.33% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | New qualifier

Shrinking Wallet Share

decline

#205 of 223 • 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): -0.70%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

223 of 1024 Mid-Small & Community CUs have this signature | 308 nationally

↓ Shrinking -61 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 1024 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.15%

#1 of 1024 Top 0.1% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 4.92%

Peer Median: 3.67%

#42 of 1024 Top 4.0% in 100M-500M tier

125

Member Growth Rate

growth

Value: 4.13%

Peer Median: -0.03%

#125 of 1024 Top 12.1% in 100M-500M tier

192

Loan-to-Share Ratio

balance_sheet

Value: 87.58%

Peer Median: 73.07%

#192 of 1024 Top 18.7% in 100M-500M tier

226

First Mortgage Concentration (%)

balance_sheet

Value: 16.08%

Peer Median: 29.92%

#226 of 1024 Top 22.0% in 100M-500M tier

234

Total Delinquency Rate (60+ days)

risk

Value: 0.35%

Peer Median: 0.71%

#234 of 1024 Top 22.8% in 100M-500M tier

Top Weaknesses (6 metrics)

966

Total Assets

balance_sheet

Value: $108.13M

Peer Median: $196.38M

#966 of 1024 Bottom 5.8% in 100M-500M tier

947

Total Deposits

balance_sheet

Value: $95.31M

Peer Median: $170.77M

#947 of 1024 Bottom 7.6% in 100M-500M tier

919

Efficiency Ratio

profitability

Value: 90.60%

Peer Median: 77.26%

#919 of 1024 Bottom 10.4% in 100M-500M tier

881

Average Member Relationship (AMR)

engagement

Value: $16,296

Peer Median: $23,006

#881 of 1024 Bottom 14.1% in 100M-500M tier

856

AMR Growth Rate

growth

Value: -0.70%

Peer Median: 3.53%

#856 of 1024 Bottom 16.5% in 100M-500M tier

825

Return on Assets (ROA)

profitability

Value: 0.37%

Peer Median: 0.75%

#825 of 1024 Bottom 19.5% in 100M-500M tier