Transcend

Louisville, KY · 2 · Charter #68666 · www.transcendcu.com
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$571.8M
66th percentile
Members
49,871
87th percentile
Total loans
$409.1M
68th percentile
Total shares
$461.8M
62th percentile

Profitability

Return on assets
1.10%
59th percentile
Net interest margin
2.78%
15th percentile
Efficiency ratio
45.05%
92th percentile
Non-interest income ratio
20.73%
60th percentile

Capital & Risk

Net worth ratio
13.14%
78th percentile
Delinquency rate
0.18%
93th percentile
Net charge-off rate
0.20%
77th percentile
Loan-to-share
88.60%
71th percentile

Growth

Member growth YoY
2.95%
76th percentile
Asset growth YoY
5.86%
56th percentile
Loan growth YoY
5.50%
57th percentile
Share growth YoY
5.48%
58th percentile

Operations

Members / branch
8,312
88th percentile
Assets / member
$11,466
9th percentile
Field of membership penetration
2.54%
33th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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