ASCEND

Charter #7397 | TN

3B-5B (76 CUs) Mid-Market (380 CUs)
3 3B-5B in TN

ASCEND has 4 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 4.3% in tier
  • + ROA 0.38% above tier average
  • + Strong member growth: 6.4% YoY
  • + Net Worth Ratio: Top 2.6% in tier

Key Concerns

Areas that may need attention

  • - Growth-at-Risk: Bottom 13.3% in tier
  • - Liquidity Overhang: Bottom 15.3% in tier
  • - Credit Quality Pressure: Bottom 17.1% in tier
  • - Indirect Auto Dependency: Bottom 17.9% in tier
  • - Liquidity Strain: Bottom 25.8% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Members 262,097
+6.4% YoY+1.1% QoQ
 +23.6K 238,465
+0.6% YoY
 21,139
+4.9% YoY
 33,089
+6.1% YoY
 67th in tier
Assets $4.6B
+5.3% YoY+0.8% QoQ
 +$646.5M $4.0B
-0.1% YoY
 $362.5M
+9.5% YoY
 $547.7M
+7.8% YoY
 Top 15.8% in tier
Loans $3.4B
+8.2% YoY+0.9% QoQ
 +$364.4M $3.0B
+3.3% YoY
 $271.1M
+9.1% YoY
 $388.7M
+8.6% YoY
 71st in tier
Deposits $3.7B
+5.0% YoY+0.2% QoQ
 +$335.5M $3.3B
+1.1% YoY
 $303.0M
+8.7% YoY
 $464.6M
+9.3% YoY
 Top 23.7% in tier
ROA 1.1%
+28.7% YoY+5.4% QoQ
 +0.4% 0.7%
+5.3% YoY
 0.8%
+4.1% YoY
 0.7%
+273.4% YoY
 Top 25.0% in tier
NIM 2.9%
+13.0% YoY+2.0% QoQ
 -0.3% 3.2%
+13.7% YoY
 3.8%
+5.1% YoY
 3.7%
+5.0% YoY
 34th in tier
Efficiency Ratio 63.3%
-4.3% YoY-2.0% QoQ
 -8.0% 71.3%
-0.6% YoY
 75.4%
-1.8% YoY
 79.1%
-3.3% YoY
 Bottom 23.7% in tier
Delinquency Rate 0.5%
+25.0% YoY-8.2% QoQ
 -0.4 0.8%
+15.9% YoY
 1.1%
+8.5% YoY
 1.2%
-0.9% YoY
 37th in tier
Loan To Share 92.2%
+3.1% YoY+0.6% QoQ
 +1.4% 90.8%
+2.0% YoY
 70.4%
-2.4% YoY
 68.0%
-1.7% YoY
 46th in tier
AMR $26,906
+0.1% YoY-0.5% QoQ
 $-2K $29,088
+0.1% YoY
 $18,470
+2.4% YoY
 $19,418
+1.3% YoY
 41st in tier
CD Concentration 34.5%
+3.4% YoY+2.0% QoQ
 +5.5% 29.0%
+0.8% YoY
 22.3%
+6.6% YoY
 19.6%
+6.2% YoY
 75th in tier
Indirect Auto % 30.0%
-1.7% YoY-2.1% QoQ
 +11.2% 18.8%
-2.8% YoY
 6.9%
+1.1% YoY
 7.9%
-2.9% YoY
 Top 24.3% in tier

Signature Analysis

Strengths (1)

Organic Growth Engine

growth
#32 of 246 • Top 4.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 6.37%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 1.13%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 29.98%
(Tier: 18.80%, National: 7.90%)
but worse than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank improving

Concerns (5)

Growth-at-Risk

risk
#75 of 161 • Bottom 13.3% in tier

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

Why This Signature
Loan Growth (YoY): 8.17%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.10% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
161 of 380 Mid-Market CUs have this signature | 646 nationally
↓ Shrinking -30 CUs YoY | Rank improving

Liquidity Overhang

risk
#50 of 113 • Bottom 15.3% 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: 14.34%
(Tier: 11.30%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 92.22%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
113 of 380 Mid-Market CUs have this signature | 691 nationally
↑ Growing +9 CUs YoY | Rank worsening

Credit Quality Pressure

risk
#132 of 217 • Bottom 17.1% in tier

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

Why This Signature
Delinquency Change (YoY): 0.10% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#111 of 202 • Bottom 17.9% in tier

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

Why This Signature
Asset Growth (YoY): 5.28%
(Tier: 5.36%, National: 3.04%)
worse than tier avg
Indirect Auto %: 29.98%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 6.37%
(Tier: 3.18%, National: 9.37%)
but better than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank worsening

Liquidity Strain

risk
#136 of 183 • Bottom 25.8% in tier

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

Why This Signature
Loan-to-Share Ratio: 92.22%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 8.17%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 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)

Comparing against 76 peers in tier

Top Strengths (6 metrics)

3
Net Worth Ratio
risk
Value: 14.34%
Peer Avg: 10.75%
#3 of 76 Top 2.6% in 3B-5B tier
12
Total Assets
balance_sheet
Value: $4.62B
Peer Avg: $3.97B
#12 of 76 Top 14.5% in 3B-5B tier
16
Member Growth Rate
growth
Value: 6.37%
Peer Avg: 7.02%
#16 of 76 Top 19.7% in 3B-5B tier
18
Total Deposits
balance_sheet
Value: $3.67B
Peer Avg: $3.33B
#18 of 76 Top 22.4% in 3B-5B tier
19
Return on Assets (ROA)
profitability
Value: 1.13%
Peer Avg: 0.75%
#19 of 76 Top 23.7% in 3B-5B tier
19
Efficiency Ratio
profitability
Value: 63.27%
Peer Avg: 71.26%
#19 of 76 Top 23.7% in 3B-5B tier

Top Weaknesses (0 metrics)

No weakness rankings available