BlastPoint's Credit Union Scorecard

ASCENSION

Charter #62018 · LA

1069 CUs in 100M-500M nationally 21 in LA

ASCENSION has 5 strengths but faces 6 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 28.9% in tier
+ Organic Growth Engine: Top 48.3% in tier
+ Net Interest Margin 1.13% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Total Delinquency Rate (60+ days): Top 2.7% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 12.5% in tier
- Liquidity Strain: Bottom 86.3% in tier
- ROA 0.43% below tier average
- Efficiency ratio 15.00% above tier (higher cost structure)
- Total Deposits: Bottom 5.6% in tier
- Total Assets: Bottom 5.8% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Members	10,691 +4.1% YoY+1.4% QoQ	-4.7K	15,437 -2.9% YoY	9,309 +1.0% YoY	33,374 +5.7% YoY	34%
Assets	$108.5M +7.2% YoY+1.0% QoQ	$-123.4M	$231.9M +1.3% YoY	$122.7M +4.8% YoY	$561.6M +9.7% YoY	Bottom 5.7% in tier
Loans	$84.8M +5.9% YoY+0.1% QoQ	$-62.5M	$147.3M -0.1% YoY	$87.2M +3.5% YoY	$397.0M +8.8% YoY	25%
Deposits	$93.5M +5.5% YoY-0.8% QoQ	$-107.3M	$200.8M +0.8% YoY	$104.9M +5.6% YoY	$477.3M +9.7% YoY	Bottom 5.5% 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	0.3% -8.0% YoY+4.0% QoQ	-0.4%	0.8% +18.2% YoY	0.3% +12.6% YoY	0.7% +15.9% YoY	20%
NIM	4.7% +6.5% YoY-0.2% QoQ	+1.1%	3.6% +6.7% YoY	4.2% +2.9% YoY	3.8% +5.1% YoY	Top 5.2% in tier
Efficiency Ratio	92.0% -1.5% YoY-0.1% QoQ	+15.0%	77.0% -3.1% YoY	85.6% -13.2% YoY	79.7% -3.3% YoY	Top 6.9% in tier
Delinquency Rate	0.1% -80.9% YoY+89.1% QoQ	-0.8	0.9% +4.2% YoY	1.9% -8.2% YoY	1.3% -2.1% YoY	Bottom 2.7% in tier
Loan To Share	90.7% +0.4% YoY+0.9% QoQ	+18.5%	72.2% -1.1% YoY	71.2% -2.0% YoY	67.4% -1.7% YoY	Top 12.8% in tier
AMR	$16,677 +1.6% YoY-1.7% QoQ	$-8K	$24,676 +3.4% YoY	$13,375 +3.1% YoY	$19,687 +2.0% YoY	16%
CD Concentration	27.7% -9.7% YoY-1.1% QoQ	+3.2%	24.4%	15.2%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	5.0%	7.8%	50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#124 of 426 • Top 28.9% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 4.08%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Organic Growth Engine

growth

#288 of 595 • Top 48.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 4.08%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.33%

(Tier: 0.75%, National: 0.67%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Concerns (2)

Efficiency Drag

risk

#68 of 538 • Bottom 12.5% in tier

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

Why This Signature

Efficiency Ratio: 92.02%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.03% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): 4.08%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank worsening

Liquidity Strain

risk

#197 of 228 • Bottom 86.3% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 90.73%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 5.90%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

228 of 1069 Mid-Small & Community CUs have this signature | 439 nationally

↓ Shrinking -37 CUs YoY | Rank improving

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 1069 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.07%

Peer Median: -

#30 of 1069 Top 2.7% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 4.74%

Peer Median: -

#56 of 1069 Top 5.1% in 100M-500M tier

137

Loan-to-Share Ratio

balance_sheet

Value: 90.73%

Peer Median: -

#137 of 1069 Top 12.7% in 100M-500M tier

144

Member Growth Rate

growth

Value: 4.08%

Peer Median: -

#144 of 1069 Top 13.4% in 100M-500M tier

254

First Mortgage Concentration (%)

balance_sheet

Value: 16.85%

Peer Median: -

#254 of 1069 Top 23.7% in 100M-500M tier

Top Weaknesses (5 metrics)

1010

Total Deposits

balance_sheet

Value: $93.48M

Peer Median: -

#1010 of 1069 Bottom 5.6% in 100M-500M tier

1008

Total Assets

balance_sheet

Value: $108.47M

Peer Median: -

#1008 of 1069 Bottom 5.8% in 100M-500M tier

996

Efficiency Ratio

profitability

Value: 92.02%

Peer Median: -

#996 of 1069 Bottom 6.9% in 100M-500M tier

902

Average Member Relationship (AMR)

engagement

Value: $16,677

Peer Median: -

#902 of 1069 Bottom 15.7% in 100M-500M tier

857

Return on Assets (ROA)

profitability

Value: 0.33%

Peer Median: -

#857 of 1069 Bottom 19.9% in 100M-500M tier