Transcend
Louisville, KY · Charter 68666 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 6 branches
Q2 2026
$588.3MAssets
$430.6MLoans
$473.2MShares
$78.6MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 84% of credit unions under $1B in assets (rank 268 of 1682).
- Widest gap: net interest margin trails 92% of credit unions under $1B in assets (rank 1542 of 1683).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.19%
Rank 410 of 1,683
Net Interest Margin
2.80%
Rank 1,542 of 1,683
Efficiency Ratio
68.00%
Rank 395 of 1,682
Equity / Assets
13.37%
Rank 764 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.19% | 0.35% | 0.74% | 1.18% | Beats 76% | 410 / 1,683 | |
| Return on Equity | 8.92% | 2.67% | 5.89% | 8.74% | Beats 76% | 400 / 1,681 | |
| Net Interest Margin | 2.80% | 3.31% | 3.82% | 4.32% | Beats 8% | 1,542 / 1,683 | |
| Efficiency Ratio | 68.00% | 68.91% | 78.20% | 86.93% | Beats 77% | 395 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.13% | 0.26% | 0.65% | 1.29% | Beats 84% | 268 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.37% | 10.44% | 12.89% | 16.53% | Beats 55% | 764 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.37% | 10.44% | 12.89% | 16.53% | Beats 55% | 764 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 91.00% | 52.61% | 69.38% | 83.50% | 88th pctl | 203 / 1,683 | |
| Loans / Assets | 73.19% | 44.71% | 59.18% | 70.72% | 80th pctl | 333 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |