ASCENSION
Charter #62018 · GONZALES, LA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.76% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.17% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 91.22% sits at the 85th percentile of structural peers — worth a closer look.
- On Net worth ratio, the asset-size band puts this credit union at the 44th percentile but its structural peers at the 59th — a 15-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 | ASCENSION | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $109.02M | 6th pct | 16th pct |
| Members | 10,844 | 37th pct | 48th pct |
| Net worth ratio | 11.04% | 44th pct | 59th pct |
| Return on average assets | 0.35% | 26th pct | 34th pct |
| Net interest margin | 4.76% | 94th pct | 84th pct |
| Cost of funds | 1.39% | 62th pct | 62th pct |
| Loan-to-share | 87.01% | 83th pct | 69th pct |
| Delinquency 60+ days | 0.17% | 11th pct | 11th pct |
| Net charge-off ratio | 0.28% | 41th pct | 26th pct |
| Loan growth YoY | -0.95% | 37th pct | 33th pct |
| Share growth YoY | 2.33% | 32th pct | 38th pct |
| Efficiency ratio | 91.22% | 87th pct | 85th pct |
structural peer set hash: 27f724cfef7b72af1049ab27335193bd… (reproducible)
Closest structural peers
This is the free public view
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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.