BlastPoint's Credit Union Scorecard

ASCEND

Charter #7397 · TN

Mid-Market 3B-5B

78 CUs in 3B-5B nationally 3 in TN

View Mid-Market leaderboard →

ASCEND has 3 strengths but faces 5 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

TN Analysis

How does TN stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.52% above tier average
+ Strong member growth: 6.6% YoY
+ Net Worth Ratio: Top 2.6% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 36.0% in tier
- Credit Quality Pressure: Bottom 40.5% in tier
- Credit Risk Growth: Bottom 45.8% in tier
- Indirect Auto Dependency: Bottom 59.2% in tier
- Shrinking Wallet Share: Bottom 82.9% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Members	265,513 +6.6% YoY+0.6% QoQ	+45.1K	220,435 -7.6% YoY	21,412 +3.7% YoY	33,913 +5.7% YoY	77%
Assets	$4.7B +4.2% YoY+1.7% QoQ	+$834.0M	$3.9B -1.5% YoY	$379.6M +8.7% YoY	$578.3M +9.0% YoY	Top 12.8% in tier
Loans	$3.5B +6.5% YoY+1.4% QoQ	+$570.8M	$2.9B -1.1% YoY	$279.0M +7.7% YoY	$402.4M +8.7% YoY	Top 14.1% in tier
Deposits	$3.8B +4.4% YoY+2.8% QoQ	+$522.6M	$3.3B -2.5% YoY	$319.1M +8.0% YoY	$494.3M +9.1% YoY	83%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.3% +21.8% YoY+8.5% QoQ	+0.5%	0.7% +10.6% YoY	0.6% -5.0% YoY	0.4% -39.2% YoY	83%
NIM	3.2% +16.1% YoY+8.7% QoQ	+0.0%	3.2% +4.6% YoY	3.9% +5.1% YoY	3.8% +4.1% YoY	53%
Efficiency Ratio	62.4% -4.2% YoY-0.6% QoQ	-8.9%	71.3% -2.6% YoY	79.6% +1.7% YoY	84.6% +2.8% YoY	18%
Delinquency Rate	0.4% +18.9% YoY-19.1% QoQ	-0.3	0.7% +9.2% YoY	0.9% -14.5% YoY	1.2% +3.4% YoY	30%
Loan To Share	90.7% +2.0% YoY-1.4% QoQ	+2.7%	88.0% +0.9% YoY	68.3% -1.5% YoY	65.6% -1.4% YoY	50%
AMR	$27,435 -1.1% YoY+1.5% QoQ	$-3K	$30,672 +5.5% YoY	$18,957 +3.0% YoY	$19,920 +1.6% YoY	40%
CD Concentration	34.2% +1.0% YoY-0.9% QoQ	+5.4%	28.8%	22.3%	19.8%	74%
Indirect Auto %	28.5% -7.2% YoY-2.1% QoQ	+10.4%	18.1%	6.8%	7.7%	75%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Credit Risk Growth

risk

#124 of 183 • Bottom 45.8% in tier

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

Why This Signature

Loan Growth (YoY): 6.52%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.07% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

183 of 384 Mid-Market CUs have this signature | 710 nationally

→ No prior data (183 CUs now) | New qualifier

Credit Quality Pressure

risk

#154 of 225 • Bottom 40.5% 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: 0.06% points, National: 0.12% points)

worse than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 CUs YoY | Rank worsening

Indirect Auto Dependency

risk

#145 of 198 • Bottom 59.2% in tier

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

Why This Signature

Asset Growth (YoY): 4.17%

(Tier: 6.82%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 28.50%

(Tier: 18.07%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 6.58%

(Tier: 3.50%, National: 10.19%)

but better than tier avg

198 of 384 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -10 CUs YoY | Rank worsening

Shrinking Wallet Share

decline

#66 of 82 • Bottom 82.9% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -1.11%

(Tier: 3.34%, National: 6.36%)

worse than tier avg

82 of 384 Mid-Market CUs have this signature | 335 nationally

↓ Shrinking -18 CUs YoY | New qualifier

Liquidity Strain

risk

#125 of 148 • Bottom 36.0% in tier

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

Why This Signature

Loan-to-Share Ratio: 90.66%

(Tier: 84.20%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 6.52%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

148 of 384 Mid-Market CUs have this signature | 367 nationally

→ Stable (149→148 CUs) -1 CUs YoY | New qualifier

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)

Compare against:

Comparing against 78 peers in tier

Top Strengths (8 metrics)

Net Worth Ratio

risk

Value: 14.55%

Peer Median: 10.59%

#3 of 78 Top 2.6% in 3B-5B tier

Total Assets

balance_sheet

Value: $4.75B

Peer Median: $3.94B

#10 of 78 Top 11.5% in 3B-5B tier

Total Loans

balance_sheet

Value: $3.46B

Peer Median: $2.92B

#11 of 78 Top 12.8% in 3B-5B tier

Return on Assets (ROA)

profitability

Value: 1.25%

Peer Median: 0.75%

#13 of 78 Top 15.4% in 3B-5B tier

Member Growth Rate

growth

Value: 6.58%

Peer Median: 3.36%

#13 of 78 Top 15.4% in 3B-5B tier

Total Deposits

balance_sheet

Value: $3.82B

Peer Median: $3.34B

#13 of 78 Top 15.4% in 3B-5B tier

Efficiency Ratio

profitability

Value: 62.38%

Peer Median: 69.26%

#15 of 78 Top 17.9% in 3B-5B tier

Total Members

engagement

Value: 265,513

Peer Median: 212,824

#18 of 78 Top 21.8% in 3B-5B tier

Top Weaknesses (1 metrics)

AMR Growth Rate

growth

Value: -1.11%

Peer Median: 2.86%

#63 of 78 Bottom 20.5% in 3B-5B tier