Transcend Credit Union
Total assets
$589.4M
▲ +6.6% YoY
Shares & deposits
$477.4M
▲ +6.3% YoY
Loans
$412.2M
▲ +5.7% YoY
Members
50,358
▲ +3.4% YoY
ROA (annualized)
1.00%
peers 0.62%
ROE (annualized)
7.71%
peers 5.92%
Peer comparison 284 credit unions with 500M-1B in assets
| Metric | Transcend Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.6% | +4.8% | +1.8 pts |
| Share growth (YoY) | +6.3% | +4.3% | +2.0 pts |
| Loan growth (YoY) | +5.7% | +4.3% | +1.3 pts |
| ROA | 1.00% | 0.62% | +0.4 pts |
| ROE | 7.7% | 5.9% | +1.8 pts |
ROA ranks in the 74th percentile of its peer group · Q1 2026
Profile
- Established
- 1934
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- P. O. Box 18303, Louisville, KY, 40261
- NCUA charter #
- 68666
- RSSD ID
- 607294
- 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 | $589.4M | $477.4M | $412.2M | $76.6M | $1.5M | 1.00% | 2.68% | 0.17% | 50,358 |
| Q4 2025 | $571.8M | $461.8M | $409.1M | $75.1M | $6.6M | 1.15% | 2.78% | 0.18% | 49,871 |
| Q3 2025 | $557.2M | $457.0M | $411.4M | $73.1M | $4.5M | 1.08% | 2.80% | 0.16% | 49,615 |
| Q2 2025 | $563.0M | $457.2M | $391.5M | $71.4M | $2.8M | 0.99% | 2.70% | 0.16% | 49,172 |
| Q1 2025 | $553.0M | $449.2M | $390.1M | $69.9M | $1.3M | 0.93% | 2.65% | 0.16% | 48,724 |
| Q4 2024 | $540.2M | $437.7M | $387.8M | $68.6M | $4.3M | 0.79% | 2.35% | 0.08% | 48,444 |
| Q3 2024 | $527.8M | $429.7M | $377.8M | $67.3M | $2.9M | 0.74% | 2.30% | 0.10% | 48,109 |
| Q2 2024 | $526.9M | $430.5M | $378.0M | $66.2M | $1.8M | 0.68% | 2.20% | 0.16% | 47,818 |
Loan mix (Q1 2026): real estate $128.1M · commercial $0 · consumer $283.1M · securities $88.5M
Ratio pack Q1 2026 · peer medians from 284 institutions
Profitability
| Ratio | Transcend Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.00% | 0.62% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 7.7% | 5.9% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.68% | 3.48% | 8th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.2% | 78.3% | 24th | |
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 | Transcend 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 | Transcend 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 | Transcend 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 | Transcend 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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