TRANSCEND
Charter #68666 · Louisville, KY · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 13.00% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.72% sits at the 2nd percentile of structural peers — worth a closer look.
- Cost of funds of 2.45% sits at the 92nd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.17% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.16% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
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 | TRANSCEND | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $589.38M | 22th pct | 33th pct |
| Members | 50,358 | 73th pct | 44th pct |
| Net worth ratio | 13.00% | 82th pct | 77th pct |
| Return on average assets | 1.02% | 73th pct | 64th pct |
| Net interest margin | 2.72% | 9th pct | 2th pct |
| Cost of funds | 2.45% | 92th pct | 92th pct |
| Loan-to-share | 86.34% | 66th pct | 46th pct |
| Delinquency 60+ days | 0.17% | 7th pct | 7th pct |
| Net charge-off ratio | 0.16% | 16th pct | 3th pct |
| Loan growth YoY | 0.21% | 43th pct | 21th pct |
| Share growth YoY | 4.47% | 57th pct | 46th pct |
| Efficiency ratio | 71.18% | 24th pct | 33th pct |
structural peer set hash: c40920658c8a9c6871ac99ae23a4d64f… (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.