Ascend
Tullahoma, TN · Charter 7397 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 31 branches
Q2 2026
$4.8BAssets
$3.5BLoans
$3.9BShares
$705.1MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 90% of credit unions $1B-$10B in assets (rank 43 of 435).
- Widest gap: net interest margin trails 62% of credit unions $1B-$10B in assets (rank 270 of 435).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.20%
Rank 87 of 435
Net Interest Margin
3.21%
Rank 270 of 435
Efficiency Ratio
63.32%
Rank 90 of 435
Equity / Assets
14.55%
Rank 43 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.20% | 0.55% | 0.81% | 1.14% | Beats 80% | 87 / 435 | |
| Return on Equity | 8.25% | 5.12% | 7.41% | 9.70% | Beats 60% | 175 / 435 | |
| Net Interest Margin | 3.21% | 3.01% | 3.39% | 3.75% | Beats 38% | 270 / 435 | |
| Efficiency Ratio | 63.32% | 65.25% | 71.39% | 77.86% | Beats 80% | 90 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.49% | 0.45% | 0.69% | 1.05% | Beats 70% | 132 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.55% | 9.81% | 10.84% | 12.63% | Beats 90% | 43 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 14.55% | 9.81% | 10.84% | 12.63% | Beats 90% | 43 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 90.50% | 78.33% | 88.38% | 95.61% | 57th pctl | 187 / 435 | |
| Loans / Assets | 72.83% | 67.69% | 74.58% | 80.80% | 43rd pctl | 250 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |