Ascension Credit Union
Total assets
$109.0M
▲ +1.0% YoY
Shares & deposits
$96.4M
▲ +1.0% YoY
Loans
$83.9M
▲ +6.3% YoY
Members
10,844
▲ +4.0% YoY
ROA (annualized)
0.35%
peers 0.69%
ROE (annualized)
3.14%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | Ascension Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.0% | +3.9% | -2.9 pts |
| Share growth (YoY) | +1.0% | +3.3% | -2.3 pts |
| Loan growth (YoY) | +6.3% | +2.9% | +3.3 pts |
| ROA | 0.35% | 0.69% | -0.3 pts |
| ROE | 3.1% | 5.9% | -2.8 pts |
ROA ranks in the 26th percentile of its peer group · Q1 2026
Profile
- Established
- 1974
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- Po Box 248, Gonzales, LA, 70707
- NCUA charter #
- 62018
- RSSD ID
- 741590
- 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 | $109.0M | $96.4M | $83.9M | $12.0M | $95K | 0.35% | 4.75% | 0.17% | 10,844 |
| Q4 2025 | $108.5M | $93.5M | $84.8M | $11.9M | $362K | 0.33% | 4.72% | 0.07% | 10,691 |
| Q3 2025 | $107.4M | $94.2M | $84.7M | $11.8M | $257K | 0.32% | 4.71% | 0.04% | 10,540 |
| Q2 2025 | $105.4M | $93.0M | $79.9M | $11.7M | $157K | 0.30% | 4.72% | 0.02% | 10,536 |
| Q1 2025 | $107.9M | $95.5M | $78.9M | $11.6M | $69K | 0.26% | 4.50% | 0.02% | 10,422 |
| Q4 2024 | $101.2M | $88.6M | $80.1M | $11.6M | $371K | 0.37% | 4.48% | 0.35% | 10,272 |
| Q3 2024 | $102.6M | $90.0M | $78.4M | $11.5M | $317K | 0.41% | 4.35% | 0.37% | 10,149 |
| Q2 2024 | $104.2M | $92.4M | $77.7M | $11.4M | $218K | 0.42% | 4.21% | 0.77% | 10,060 |
Loan mix (Q1 2026): real estate $17.7M · commercial $578K · consumer $54.7M · securities $10.3M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Ascension Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.35% | 0.69% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 3.1% | 5.9% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.75% | 3.62% | 95th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.2% | 78.7% | 87th | |
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 | Ascension Credit Union | 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 | Ascension Credit Union | 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 | Ascension Credit Union | 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 | Ascension Credit Union | 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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