BlastPoint's Credit Union Scorecard
TRANSCEND
Charter #68666 · KY
TRANSCEND has 4 strengths but faces 6 concerns
How does the industry compare?
What's your peer group doing?
How does KY stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 45.6% in tier
- + ROA 0.51% above tier average
- + Members Per Employee (MPE): Top 1.2% in tier
- + Total Delinquency Rate (60+ days): Top 4.8% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 19.8% in tier
- - Credit Risk Growth: Bottom 71.4% in tier
- - Credit Quality Pressure: Bottom 72.6% in tier
- - Indirect Auto Concentration (%): Bottom 3.0% in tier
- - Average Member Relationship (AMR): Bottom 5.5% in tier
- - Share Certificate Concentration (%): Bottom 6.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
49,871
+2.9% YoY+0.5% QoQ
|
+11.3K |
38,575
-4.8% YoY
|
18,352
+6.1% YoY
|
33,374
+5.7% YoY
|
Top 10.9% in tier |
| Assets |
$571.8M
+5.9% YoY+2.6% QoQ
|
$-49.9M |
$621.7M
+0.1% YoY
|
$297.6M
+11.0% YoY
|
$561.6M
+9.7% YoY
|
30% |
| Loans |
$409.1M
+5.5% YoY-0.5% QoQ
|
$-20.7M |
$429.8M
-1.8% YoY
|
$214.0M
+12.0% YoY
|
$397.0M
+8.8% YoY
|
38% |
| Deposits |
$461.8M
+5.5% YoY+1.0% QoQ
|
$-77.0M |
$538.7M
+0.6% YoY
|
$249.6M
+10.9% YoY
|
$477.3M
+9.7% YoY
|
Bottom 13.9% in tier |
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| ROA |
1.2%
+45.5% YoY+8.3% QoQ
|
+0.5% |
0.7%
+42.9% YoY
|
0.3%
-193.7% YoY
|
0.7%
+15.9% YoY
|
85% |
| NIM |
2.8%
+18.2% YoY+1.1% QoQ
|
-0.6% |
3.4%
+8.0% YoY
|
3.7%
-0.4% YoY
|
3.8%
+5.1% YoY
|
Bottom 13.9% in tier |
| Efficiency Ratio |
67.3%
-9.2% YoY-2.8% QoQ
|
-10.3% |
77.5%
-4.1% YoY
|
85.5%
-17.8% YoY
|
79.7%
-3.3% YoY
|
Bottom 10.9% in tier |
| Delinquency Rate |
0.2%
+127.3% YoY+10.7% QoQ
|
-0.7 |
0.8%
-1.1% YoY
|
1.1%
-5.8% YoY
|
1.3%
-2.1% YoY
|
Bottom 4.8% in tier |
| Loan To Share |
88.6%
+0.0% YoY-1.6% QoQ
|
+8.8% |
79.8%
-2.3% YoY
|
65.9%
-3.9% YoY
|
67.4%
-1.7% YoY
|
72% |
| AMR |
$17,463
+2.5% YoY-0.2% QoQ
|
$-9K |
$26,849
+2.7% YoY
|
$17,204
+6.4% YoY
|
$19,687
+2.0% YoY
|
Bottom 4.8% in tier |
| CD Concentration |
38.9%
+3.7% YoY+1.8% QoQ
|
+14.5% | 24.4% | 22.4% | 19.8% | Top 9.0% in tier |
| Indirect Auto % |
51.2%
-4.8% YoY-2.5% QoQ
|
+37.4% | 13.8% | 7.7% | 7.8% | Top 3.1% in tier |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)