BlastPoint's Credit Union Scorecard
ASCEND
Charter #7397 · TN
ASCEND has 3 strengths but faces 2 concerns
How does the industry compare?
What's your peer group doing?
How does TN stack up?
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.28% above tier average
- + Net Worth Ratio: Top 3.9% in tier
- + Total Assets: Top 3.9% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 42.7% in tier
- - Liquidity Strain: Bottom 43.7% 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 77 credit unions with $3B-$5B in assets nationally, and 1 of 3 that size in Tennessee.
- Shares and deposits +6.6% year over year ($3.90B in shares and deposits).
- Membership: 271,555 members, +4.7% vs a year ago.
- Delinquency rate 0.49%.
- Return on assets 1.21%.
- Efficiency ratio 63.32% vs a 69.45% peer average.
- Loan-to-share ratio 90.50% vs a 90.24% 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 (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
271,555
+4.7% YoY+2.3% QoQ
|
+55.0K |
216,545
-9.5% YoY
|
22,058
+4.8% YoY
|
34,678
+6.6% YoY
|
84% |
| Assets |
$4.8B
+5.8% YoY+2.1% QoQ
|
+$945.1M |
$3.9B
-1.6% YoY
|
$390.3M
+9.5% YoY
|
$593.1M
+10.2% YoY
|
Top 5.2% in tier |
| Loans |
$3.5B
+5.2% YoY+1.9% QoQ
|
+$599.1M |
$2.9B
-1.2% YoY
|
$289.3M
+8.5% YoY
|
$418.6M
+10.1% YoY
|
84% |
| Deposits |
$3.9B
+6.6% YoY+2.1% QoQ
|
+$643.4M |
$3.3B
-2.6% YoY
|
$326.4M
+8.9% YoY
|
$504.8M
+10.3% YoY
|
Top 11.7% in tier |
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| ROA |
1.2%
+13.1% YoY-3.2% QoQ
|
+0.3% |
0.9%
+25.3% YoY
|
1.1%
+46.9% YoY
|
1.2%
+121.4% YoY
|
78% |
| NIM |
3.2%
+12.4% YoY+0.1% QoQ
|
+0.0% |
3.2%
+3.8% YoY
|
3.9%
+2.1% YoY
|
3.8%
+2.3% YoY
|
47% |
| Efficiency Ratio |
63.3%
-1.9% YoY+1.5% QoQ
|
-6.1% |
69.5%
-2.3% YoY
|
78.9%
+2.6% YoY
|
83.0%
-5.3% YoY
|
25% |
| Delinquency Rate |
0.5%
-7.3% YoY+17.2% QoQ
|
-0.3 |
0.8%
+5.5% YoY
|
1.1%
-1.7% YoY
|
1.3%
+2.6% YoY
|
35% |
| Loan To Share |
90.5%
-1.3% YoY-0.2% QoQ
|
+0.3% |
90.2%
+0.9% YoY
|
68.7%
-1.7% YoY
|
66.4%
-1.4% YoY
|
39% |
| AMR |
$27,364
+1.2% YoY-0.3% QoQ
|
$-4K |
$31,018
+6.9% YoY
|
$19,228
+3.5% YoY
|
$20,028
-0.9% YoY
|
38% |
| CD Concentration |
34.9%
+3.1% YoY+1.9% QoQ
|
+5.8% | 29.1% | 22.4% | 20.0% | 75% |
| Indirect Auto % |
28.4%
-7.1% YoY-0.2% QoQ
|
+10.4% | 18.1% | 6.8% | 7.7% | 74% |
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)