ASCENT
Charter #11520 · OGDEN, UT · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.02% sits at the 7th percentile of structural peers — worth a closer look.
- Net interest margin of 3.01% sits at the 0th percentile of structural peers — worth a closer look.
- Cost of funds of 1.91% sits at the 87th percentile of structural peers — worth a closer look.
- Efficiency ratio of 92.85% sits at the 89th percentile of structural peers — worth a closer look.
- On Net worth ratio, the asset-size band puts this credit union at the 14th percentile but its structural peers at the 31st — a 18-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | ASCENT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $173.07M | 40th pct | 41th pct |
| Members | 9,173 | 26th pct | 28th pct |
| Net worth ratio | 8.99% | 14th pct | 31th pct |
| Return on average assets | 0.02% | 8th pct | 7th pct |
| Net interest margin | 3.01% | 15th pct | 0th pct |
| Cost of funds | 1.91% | 86th pct | 87th pct |
| Loan-to-share | 78.75% | 65th pct | 54th pct |
| Delinquency 60+ days | 0.76% | 62th pct | 59th pct |
| Net charge-off ratio | 0.43% | 57th pct | 61th pct |
| Loan growth YoY | -5.20% | 6th pct | 3th pct |
| Share growth YoY | 2.28% | 31th pct | 43th pct |
| Efficiency ratio | 92.85% | 91th pct | 89th pct |
structural peer set hash: 51467bbbeda57548405431abe37f6d02… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.