BlastPoint's Credit Union Scorecard
TRANSCEND
Charter #68666 · KY
TRANSCEND has 4 strengths but faces 5 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
- + ROA 0.37% above tier average
- + Members Per Employee (MPE): Top 1.2% in tier
- + Total Delinquency Rate (60+ days): Top 4.2% in tier
- + Total Members: Top 7.3% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 15.3% in tier
- - Indirect Auto Dependency: Bottom 47.9% in tier
- - Indirect Auto Concentration (%): Bottom 3.6% in tier
- - Share Certificate Concentration (%): Bottom 4.2% in tier
- - Average Member Relationship (AMR): Bottom 6.1% 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 165 credit unions with $500M-$750M in assets nationally, and 1 of 2 that size in Kentucky.
- Shares and deposits +3.5% year over year ($473M in shares and deposits).
- Membership: 50,984 members, +3.7% vs a year ago.
- Delinquency rate 0.13%.
- Return on assets 1.19%.
- Efficiency ratio 68.00% vs a 76.56% peer average.
- Loan-to-share ratio 91.00% vs a 79.33% 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 (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
50,984
+3.7% YoY+1.2% QoQ
|
+13.1K |
37,897
-5.0% YoY
|
19,704
+8.5% YoY
|
34,678
+6.6% YoY
|
Top 7.9% in tier |
| Assets |
$588.3M
+4.5% YoY-0.2% QoQ
|
$-34.1M |
$622.4M
+0.6% YoY
|
$329.2M
+13.7% YoY
|
$593.1M
+10.2% YoY
|
36% |
| Loans |
$430.6M
+10.0% YoY+4.5% QoQ
|
+$2.1M |
$428.5M
-0.7% YoY
|
$234.8M
+15.2% YoY
|
$418.6M
+10.1% YoY
|
50% |
| Deposits |
$473.2M
+3.5% YoY-0.9% QoQ
|
$-66.6M |
$539.8M
+0.9% YoY
|
$276.9M
+13.5% YoY
|
$504.8M
+10.3% YoY
|
20% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.2%
+18.8% YoY+18.9% QoQ
|
+0.4% |
0.8%
+39.5% YoY
|
1.2%
+141.8% YoY
|
1.2%
+121.4% YoY
|
84% |
| NIM |
2.8%
+2.4% YoY+4.4% QoQ
|
-0.7% |
3.5%
+5.0% YoY
|
3.7%
+2.3% YoY
|
3.8%
+2.3% YoY
|
Bottom 9.7% in tier |
| Efficiency Ratio |
68.0%
-2.4% YoY-4.5% QoQ
|
-8.6% |
76.6%
-3.6% YoY
|
83.2%
+1.5% YoY
|
83.0%
-5.3% YoY
|
19% |
| Delinquency Rate |
0.1%
-18.0% YoY-23.9% QoQ
|
-0.7 |
0.8%
+3.1% YoY
|
1.1%
+18.9% YoY
|
1.3%
+2.6% YoY
|
Top 4.2% in tier |
| Loan To Share |
91.0%
+6.3% YoY+5.4% QoQ
|
+11.7% |
79.3%
-1.4% YoY
|
64.3%
-0.2% YoY
|
66.4%
-1.4% YoY
|
79% |
| AMR |
$17,727
+2.7% YoY+0.3% QoQ
|
$-10K |
$27,294
+4.1% YoY
|
$17,761
+5.3% YoY
|
$20,028
-0.9% YoY
|
Bottom 5.5% in tier |
| CD Concentration |
40.0%
+4.3% YoY-0.1% QoQ
|
+15.4% | 24.6% | 23.1% | 20.0% | Top 7.8% in tier |
| Indirect Auto % |
51.7%
-3.2% YoY+1.5% QoQ
|
+38.0% | 13.6% | 7.6% | 7.7% | Bottom 3.3% in tier |
Signature Analysis
Strengths (0)
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)