BlastPoint's Credit Union Scorecard
TRANSCEND
Charter #68666 · KY
TRANSCEND has 4 strengths but faces 7 concerns
How does the industry compare?
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How does KY stack up?
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.32% above tier average
- + Members Per Employee (MPE): Top 1.2% in tier
- + Total Delinquency Rate (60+ days): Top 8.4% in tier
- + Total Members: Top 8.4% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 30.1% in tier
- - Credit Risk Growth: Bottom 36.4% in tier
- - Credit Quality Pressure: Bottom 52.2% in tier
- - Indirect Auto Concentration (%): Bottom 3.0% in tier
- - Share Certificate Concentration (%): Bottom 3.6% in tier
- - Average Member Relationship (AMR): Bottom 6.6% in tier
- - Net Interest Margin (NIM): Bottom 7.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
50,358
+3.4% YoY+1.0% QoQ
|
+12.3K |
38,079
-4.8% YoY
|
19,049
+8.0% YoY
|
33,913
+5.7% YoY
|
Top 9.0% in tier |
| Assets |
$589.4M
+6.6% YoY+3.1% QoQ
|
$-30.3M |
$619.7M
-0.2% YoY
|
$318.2M
+13.2% YoY
|
$578.3M
+9.0% YoY
|
36% |
| Loans |
$412.2M
+5.7% YoY+0.8% QoQ
|
$-7.1M |
$419.3M
-1.4% YoY
|
$224.2M
+14.2% YoY
|
$402.4M
+8.7% YoY
|
46% |
| Deposits |
$477.4M
+6.3% YoY+3.4% QoQ
|
$-62.0M |
$539.5M
-0.1% YoY
|
$268.6M
+13.0% YoY
|
$494.3M
+9.1% YoY
|
22% |
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| ROA |
1.0%
+6.9% YoY-14.0% QoQ
|
+0.3% |
0.7%
+36.0% YoY
|
-0.2%
-46.7% YoY
|
0.4%
-39.2% YoY
|
74% |
| NIM |
2.7%
-0.1% YoY-4.9% QoQ
|
-0.8% |
3.5%
+4.5% YoY
|
3.3%
-7.9% YoY
|
3.8%
+4.1% YoY
|
Bottom 7.2% in tier |
| Efficiency Ratio |
71.2%
+1.5% YoY+5.8% QoQ
|
-7.2% |
78.4%
-3.7% YoY
|
83.1%
-14.8% YoY
|
84.6%
+2.8% YoY
|
22% |
| Delinquency Rate |
0.2%
+6.7% YoY-6.7% QoQ
|
-0.5 |
0.7%
-0.9% YoY
|
0.9%
-11.3% YoY
|
1.2%
+3.4% YoY
|
Top 8.4% in tier |
| Loan To Share |
86.3%
-0.6% YoY-2.6% QoQ
|
+8.7% |
77.7%
-1.2% YoY
|
64.5%
+0.1% YoY
|
65.6%
-1.4% YoY
|
72% |
| AMR |
$17,666
+2.6% YoY+1.2% QoQ
|
$-9K |
$26,927
+3.1% YoY
|
$17,696
+5.9% YoY
|
$19,920
+1.6% YoY
|
Bottom 6.0% in tier |
| CD Concentration |
40.1%
+9.2% YoY+3.0% QoQ
|
+15.8% | 24.3% | 22.8% | 19.8% | Top 6.9% in tier |
| Indirect Auto % |
50.9%
-5.7% YoY-0.6% QoQ
|
+37.1% | 13.8% | 7.7% | 7.7% | Bottom 3.3% in tier |
Signature Analysis
Strengths (0)
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)