BlastPoint's Credit Union Scorecard

ASCEND

Charter #7397 · TN

Mid-Market 3B-5B

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

View Mid-Market leaderboard →

ASCEND has 4 strengths but faces 4 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

+ Organic Growth Engine: Top 12.6% in tier
+ ROA 0.44% above tier average
+ Strong member growth: 5.9% YoY
+ Net Worth Ratio: Top 3.9% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 62.0% in tier
- Indirect Auto Dependency: Bottom 63.6% in tier
- Credit Quality Pressure: Bottom 65.2% in tier
- Liquidity Strain: Bottom 77.0% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Members	263,809 +5.9% YoY+0.7% QoQ	+33.5K	230,353 -2.9% YoY	21,265 +4.5% YoY	33,374 +5.7% YoY	72%
Assets	$4.7B +5.9% YoY+1.2% QoQ	+$729.3M	$3.9B +0.3% YoY	$372.5M +10.3% YoY	$561.6M +9.7% YoY	Top 11.8% in tier
Loans	$3.4B +7.1% YoY+1.0% QoQ	+$481.2M	$2.9B -0.2% YoY	$275.7M +8.6% YoY	$397.0M +8.8% YoY	78%
Deposits	$3.7B +4.8% YoY+1.3% QoQ	+$404.0M	$3.3B -0.3% YoY	$312.1M +9.5% YoY	$477.3M +9.7% YoY	76%

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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	1.2% +26.1% YoY+2.2% QoQ	+0.4%	0.7% +16.8% YoY	0.7% -5.8% YoY	0.7% +15.9% YoY	82%
NIM	3.0% +12.1% YoY+1.4% QoQ	-0.2%	3.1% +9.8% YoY	3.8% +3.7% YoY	3.8% +5.1% YoY	46%
Efficiency Ratio	62.8% -3.1% YoY-0.8% QoQ	-8.6%	71.4% -1.4% YoY	79.4% +2.9% YoY	79.7% -3.3% YoY	20%
Delinquency Rate	0.5% +19.3% YoY+6.5% QoQ	-0.4	0.9% +5.8% YoY	1.1% -12.6% YoY	1.3% -2.1% YoY	37%
Loan To Share	92.0% +2.2% YoY-0.3% QoQ	+3.0%	88.9% -0.2% YoY	70.0% -2.2% YoY	67.4% -1.7% YoY	53%
AMR	$27,032 +0.0% YoY+0.5% QoQ	$-3K	$29,682 +1.5% YoY	$18,770 +3.9% YoY	$19,687 +2.0% YoY	41%
CD Concentration	34.5% +1.8% YoY+0.1% QoQ	+5.5%	29.0%	22.4%	19.8%	75%
Indirect Auto %	29.1% -3.3% YoY-2.9% QoQ	+10.8%	18.3%	6.7%	7.8%	74%

Signature Analysis

Strengths (1)

Organic Growth Engine

growth

#32 of 247 • Top 12.6% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 5.89%

(Tier: 3.43%, National: 4.32%)

better than tier avg

Return on Assets: 1.15%

(Tier: 0.69%, National: 0.67%)

better than tier avg

Indirect Auto %: 29.11%

(Tier: 18.31%, National: 7.78%)

but worse than tier avg

247 of 378 Mid-Market CUs have this signature | 913 nationally

→ No prior data (247 CUs now) | New qualifier

Concerns (4)

Credit Risk Growth

risk

#102 of 164 • Bottom 62.0% in tier

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

Why This Signature

Loan Growth (YoY): 7.12%

(Tier: 6.38%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.08% points

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

worse than tier avg

164 of 378 Mid-Market CUs have this signature | 665 nationally

→ No prior data (164 CUs now) | New qualifier

Indirect Auto Dependency

risk

#125 of 196 • Bottom 63.6% in tier

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

Why This Signature

Asset Growth (YoY): 5.86%

(Tier: 6.83%, National: 3.54%)

worse than tier avg

Indirect Auto %: 29.11%

(Tier: 18.31%, National: 7.78%)

worse than tier avg

Member Growth (YoY): 5.89%

(Tier: 3.43%, National: 4.32%)

but better than tier avg

196 of 378 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -11 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#138 of 211 • Bottom 65.2% in tier

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

Why This Signature

Delinquency Change (YoY): 0.08% points

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

worse than tier avg

211 of 378 Mid-Market CUs have this signature | 969 nationally

↓ Shrinking -59 CUs YoY | Rank worsening

Liquidity Strain

risk

#128 of 166 • Bottom 77.0% in tier

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

Why This Signature

Loan-to-Share Ratio: 91.97%

(Tier: 85.73%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 7.12%

(Tier: 6.38%, National: 111.96%)

but better than tier avg

166 of 378 Mid-Market CUs have this signature | 439 nationally

↓ Shrinking -7 CUs YoY | Rank improving

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 76 peers in tier

Top Strengths (7 metrics)

Net Worth Ratio

risk

Value: 14.47%

Peer Median: -

#4 of 76 Top 3.9% in 3B-5B tier

Total Assets

balance_sheet

Value: $4.67B

Peer Median: -

#9 of 76 Top 10.5% in 3B-5B tier

Return on Assets (ROA)

profitability

Value: 1.15%

Peer Median: -

#14 of 76 Top 17.1% in 3B-5B tier

Efficiency Ratio

profitability

Value: 62.77%

Peer Median: -

#16 of 76 Top 19.7% in 3B-5B tier

Total Loans

balance_sheet

Value: $3.42B

Peer Median: -

#17 of 76 Top 21.1% in 3B-5B tier

Total Deposits

balance_sheet

Value: $3.71B

Peer Median: -

#18 of 76 Top 22.4% in 3B-5B tier

Member Growth Rate

growth

Value: 5.89%

Peer Median: -

#19 of 76 Top 23.7% in 3B-5B tier

Top Weaknesses (0 metrics)

No weakness rankings available