TRANSCEND

Charter #68666 | KY

500M-750M (169 CUs) Community (281 CUs)
2 500M-750M in KY

TRANSCEND has 6 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 16.4% in tier
  • + Wallet Share Momentum: Top 19.9% in tier
  • + Relationship Depth Leader: Top 32.1% in tier
  • + ROA 0.42% above tier average
  • + Members Per Employee (MPE): Top 0.6% in tier
  • + Total Delinquency Rate (60+ days): Top 3.6% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 4.6% in tier
  • - Growth-at-Risk: Bottom 17.4% in tier
  • - Credit Quality Pressure: Bottom 22.2% in tier
  • - Liquidity Strain: Bottom 26.9% in tier
  • - Liquidity Overhang: Bottom 30.9% in tier
  • - Indirect Auto Concentration (%): Bottom 3.0% in tier
  • - Average Member Relationship (AMR): Bottom 5.9% in tier
  • - Share Certificate Concentration (%): Bottom 9.5% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Members 49,615
+3.1% YoY+0.9% QoQ
 +9.9K 39,752
-2.7% YoY
 18,350
+6.5% YoY
 33,089
+6.1% YoY
 Top 15.4% in tier
Assets $557.2M
+5.6% YoY-1.0% QoQ
 $-65.1M $622.4M
+0.3% YoY
 $291.9M
+10.4% YoY
 $547.7M
+7.8% YoY
 Bottom 24.9% in tier
Loans $411.4M
+8.9% YoY+5.1% QoQ
 $-24.6M $435.9M
-0.4% YoY
 $208.5M
+10.3% YoY
 $388.7M
+8.6% YoY
 40th in tier
Deposits $457.0M
+6.4% YoY-0.0% QoQ
 $-81.0M $538.0M
+1.3% YoY
 $245.3M
+10.3% YoY
 $464.6M
+9.3% YoY
 Bottom 11.2% in tier
ROA 1.1%
+45.4% YoY+7.2% QoQ
 +0.4% 0.7%
+33.9% YoY
 0.2%
-216.5% YoY
 0.7%
+273.4% YoY
 Top 18.9% in tier
NIM 2.8%
+20.9% YoY+2.1% QoQ
 -0.6% 3.4%
+8.6% YoY
 3.6%
+4.6% YoY
 3.7%
+5.0% YoY
 Bottom 12.4% in tier
Efficiency Ratio 69.2%
-8.5% YoY-0.7% QoQ
 -8.9% 78.1%
-3.4% YoY
 85.0%
-21.4% YoY
 79.1%
-3.3% YoY
 Bottom 15.4% in tier
Delinquency Rate 0.2%
+66.7% YoY+4.3% QoQ
 -0.6 0.8%
-4.9% YoY
 0.8%
-26.3% YoY
 1.2%
-0.9% YoY
 Bottom 3.6% in tier
Loan To Share 90.0%
+2.4% YoY+5.1% QoQ
 +9.0% 81.0%
-1.8% YoY
 65.5%
-4.4% YoY
 68.0%
-1.7% YoY
 69th in tier
AMR $17,502
+4.3% YoY+1.4% QoQ
 $-9K $26,482
+2.6% YoY
 $16,917
+3.2% YoY
 $19,418
+1.3% YoY
 Bottom 5.3% in tier
CD Concentration 38.2%
+5.6% YoY-0.4% QoQ
 +13.8% 24.4%
+4.2% YoY
 22.1%
-0.3% YoY
 19.6%
+6.2% YoY
 Top 10.1% in tier
Indirect Auto % 52.5%
-4.1% YoY-1.6% QoQ
 +38.6% 14.0%
-5.8% YoY
 7.8%
-3.4% YoY
 7.9%
-2.9% YoY
 Top 2.8% in tier

Signature Analysis

Strengths (3)

Organic Growth Engine

growth
#302 of 603 • Top 16.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 3.13%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 1.07%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 52.51%
(Tier: 13.96%, National: 7.90%)
but worse than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Wallet Share Momentum

growth
#549 of 1006 • Top 19.9% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 4.28%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Relationship Depth Leader

growth
#885 of 1006 • Top 32.1% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 4.28%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $1.4K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (5)

Indirect Auto Dependency

risk
#75 of 525 • Bottom 4.6% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 5.59%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 52.51%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 3.13%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 281 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank worsening

Growth-at-Risk

risk
#261 of 446 • Bottom 17.4% in tier

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

Why This Signature
Loan Growth (YoY): 8.89%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.07% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 281 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | Rank improving

Credit Quality Pressure

risk
#550 of 736 • Bottom 22.2% in tier

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

Why This Signature
Delinquency Change (YoY): 0.07% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 281 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank improving

Liquidity Strain

risk
#209 of 258 • Bottom 26.9% in tier

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

Why This Signature
Loan-to-Share Ratio: 90.01%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 8.89%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
258 of 281 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | New qualifier

Liquidity Overhang

risk
#479 of 552 • Bottom 30.9% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 13.12%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 90.01%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 281 Community CUs have this signature | 691 nationally
↑ Growing +65 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)

Comparing against 169 peers in tier

Top Strengths (8 metrics)

2
Members Per Employee (MPE)
engagement
Value: 708.786
Peer Avg: 338.010
#2 of 169 Top 0.6% in 500M-750M tier
7
Total Delinquency Rate (60+ days)
risk
Value: 0.16%
Peer Avg: 0.80%
#7 of 169 Top 3.6% in 500M-750M tier
26
Total Members
engagement
Value: 49,615
Peer Avg: 39,752
#26 of 169 Top 14.8% in 500M-750M tier
27
Efficiency Ratio
profitability
Value: 69.18%
Peer Avg: 78.10%
#27 of 169 Top 15.4% in 500M-750M tier
29
Net Worth Ratio
risk
Value: 13.12%
Peer Avg: 10.94%
#29 of 169 Top 16.6% in 500M-750M tier
32
Return on Assets (ROA)
profitability
Value: 1.07%
Peer Avg: 0.66%
#32 of 169 Top 18.3% in 500M-750M tier
37
Member Growth Rate
growth
Value: 3.13%
Peer Avg: 1.75%
#37 of 169 Top 21.3% in 500M-750M tier
41
Loan Growth Rate
growth
Value: 8.89%
Peer Avg: 4.04%
#41 of 169 Top 23.7% in 500M-750M tier

Top Weaknesses (7 metrics)

165
Indirect Auto Concentration (%)
balance_sheet
Value: 52.51%
Peer Avg: 16.19%
#165 of 169 Bottom 3.0% in 500M-750M tier
160
Average Member Relationship (AMR)
engagement
Value: $17,502
Peer Avg: $26,482
#160 of 169 Bottom 5.9% in 500M-750M tier
154
Share Certificate Concentration (%)
balance_sheet
Value: 38.19%
Peer Avg: 26.87%
#154 of 169 Bottom 9.5% in 500M-750M tier
150
Total Deposits
balance_sheet
Value: $457.02M
Peer Avg: $538.02M
#150 of 169 Bottom 11.8% in 500M-750M tier
148
Net Interest Margin (NIM)
profitability
Value: 2.79%
Peer Avg: 3.43%
#148 of 169 Bottom 13.0% in 500M-750M tier
139
Loan-to-Member Ratio (LMR)
engagement
Value: $8,291
Peer Avg: $11,805
#139 of 169 Bottom 18.3% in 500M-750M tier
133
Fee Income Per Member
profitability
Value: $145.05
Peer Avg: $199.27
#133 of 169 Bottom 21.9% in 500M-750M tier