BlastPoint's Credit Union Scorecard
TRANSCEND
Charter #68666 · KY
TRANSCEND has 5 strengths but faces 7 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 16.4% in tier
- + Credit Quality Leader: Top 29.8% 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
- - Credit Risk Growth: Bottom 17.4% in tier
- - Credit Quality Pressure: Bottom 22.2% in tier
- - Liquidity Strain: Bottom 26.9% 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
|
85% |
| 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
|
25% |
| 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
|
40% |
| 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 |
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| 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
|
81% |
| 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
|
15% |
| 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
|
69% |
| 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
|
+38.5% |
14.0%
-5.7% YoY
|
7.8%
-3.4% YoY
|
7.9%
-2.9% YoY
|
Top 2.8% in tier |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (4)
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.
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)