Ascend Federal Credit Union
Total assets
$4.75B
▲ +4.2% YoY
Shares & deposits
$3.82B
▲ +4.4% YoY
Loans
$3.46B
▲ +6.5% YoY
Members
265,513
▲ +6.6% YoY
ROA (annualized)
1.25%
peers 0.71%
ROE (annualized)
8.61%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.2% | +5.1% | -1.0 pts |
| Share growth (YoY) | +4.4% | +4.9% | -0.5 pts |
| Loan growth (YoY) | +6.5% | +5.4% | +1.1 pts |
| ROA | 1.25% | 0.71% | +0.5 pts |
| ROE | 8.6% | 6.3% | +2.3 pts |
ROA ranks in the 84th percentile of its peer group · Q1 2026
Profile
- Established
- 1951
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- Po Box 1210, Tullahoma, TN, 37388
- NCUA charter #
- 7397
- RSSD ID
- 290986
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.75B | $3.82B | $3.46B | $690.9M | $14.9M | 1.25% | 3.24% | 0.42% | 265,513 |
| Q4 2025 | $4.67B | $3.71B | $3.42B | $676.0M | $53.6M | 1.15% | 2.97% | 0.52% | 263,809 |
| Q3 2025 | $4.62B | $3.67B | $3.38B | $662.3M | $39.0M | 1.13% | 2.93% | 0.49% | 262,097 |
| Q2 2025 | $4.58B | $3.66B | $3.35B | $647.9M | $24.5M | 1.07% | 2.88% | 0.53% | 259,346 |
| Q1 2025 | $4.56B | $3.66B | $3.25B | $634.9M | $11.5M | 1.01% | 2.75% | 0.35% | 249,130 |
| Q4 2024 | $4.41B | $3.54B | $3.19B | $623.4M | $40.3M | 0.91% | 2.65% | 0.43% | 249,130 |
| Q3 2024 | $4.39B | $3.50B | $3.13B | $612.9M | $28.8M | 0.87% | 2.59% | 0.39% | 246,410 |
| Q2 2024 | $4.35B | $3.48B | $3.10B | $602.5M | $18.4M | 0.84% | 2.76% | 0.31% | 243,589 |
Loan mix (Q1 2026): real estate $1.53B · commercial $341.7M · consumer $1.55B · securities $840.3M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.25% | 0.71% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 8.6% | 6.3% | 71th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.24% | 3.32% | 45th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.4% | 73.0% | 15th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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