ASCEND
Charter #7397 · TULLAHOMA, TN · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 14.55% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.26% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 62.38% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 64th percentile but its structural peers at the 46th — 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 | ASCEND | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $4.75B | 79th pct | 66th pct |
| Members | 265,513 | 81th pct | 66th pct |
| Net worth ratio | 14.55% | 92th pct | 92th pct |
| Return on average assets | 1.26% | 83th pct | 77th pct |
| Net interest margin | 3.27% | 45th pct | 41th pct |
| Cost of funds | 2.20% | 72th pct | 67th pct |
| Loan-to-share | 90.66% | 64th pct | 46th pct |
| Delinquency 60+ days | 0.42% | 28th pct | 28th pct |
| Net charge-off ratio | 0.43% | 39th pct | 33th pct |
| Loan growth YoY | 2.38% | 59th pct | 55th pct |
| Share growth YoY | 4.14% | 51th pct | 52th pct |
| Efficiency ratio | 62.38% | 17th pct | 18th pct |
structural peer set hash: 6e280a0e863d5f51098cf8daaf1ee00c… (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.