Federal credit union · TULLAHOMA, Tennessee · NCUA charter #7397
ASCEND
Health score 99/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 99
- Health / 100
- $4.67B
- Total assets
- 263,809
- Members
- 14.5%
- Net-worth ratio
ASCEND scores 99/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $4.67B; members 263,809; net-worth ratio 14.55%; health rank #44 of 4,374; healthier than 98th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#44 of 4,374 health · 2025Q4ASCEND · health 99/100 · $4.67B · 2025Q4
- CAMELS 99/100
- HEALTH 14.5%
- NW 0.52%
- DELQ 0.86%
- ROA $4.67B
- ASSETS 263,809
- MEM #44/4,374
- RANK STANFORD
- PHOTO 7397
ASCEND in the assets neighbourhood
ASCEND's $4.67B assets sit next to STANFORD ($4.66B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
ASCEND vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
99 Top 2% higher than 98% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
ASCEND - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #7397: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Where ASCEND diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 91.97% here, 83.90% peer average (+8.07 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
ASCEND in Tennessee
- Tennessee health ordinal: #3 of 127.
- By total assets, ASCEND is #4 of 127 in Tennessee.
- Tennessee membership ordinal: #3 of 127.
In-state ordinals use the live credit_unions table for TN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
ASCEND: 2025Q4 → 2026Q1
ASCEND: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.7% from $4.67B (2025Q4) to $4.75B (2026Q1).
- Net-worth ratio shifted +0.08 pp (14.47% → 14.55%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 14.55% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 99/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 99.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.8 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 14.2 pts
ASCEND health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.55% | +3.37 pp |
| Delinquency Rate | 0.52% | -0.36 pp |
| Return on Assets | 0.86% | +0.35 pp |
| Member Growth | 5.89% | - |
| Loan-to-Share Ratio | 91.97% | +8.07 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
ASCEND quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $4.75B | - |
| 2025Q4 | $4.67B | 263,809 |
| 2024Q4 | $4.41B | 249,130 |
| 2023Q4 | $4.25B | 236,616 |
Credit Union Details
- Charter Number
- 7397
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Tennessee
- City
- TULLAHOMA
- Data Quarter
- 2025Q4
Branch Locations (30)
ASCEND operates 30 offices across 21 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Administrative Office (Main Office) | Tullahoma, TN |
| Brentwood | Brentwood, TN |
| Columbia | Columbia, TN |
| Cookeville | Cookeville, TN |
| Dickson | Dickson, TN |
| Cool Springs | Franklin, TN |
| Gallatin | Gallatin, TN |
| Hendersonville | Hendersonville, TN |
| Nashville Hermitage | Hermitage, TN |
| La Vergne | La Vergne, TN |
| Lebanon | Lebanon, TN |
| Lewisburg | Lewisburg, TN |
| Manchester | Manchester, TN |
| McMinnville | McMinnville, TN |
| Mt. Juliet | Mount Juliet, TN |
| Murfreesboro-Clark Boulevard | Murfreesboro, TN |
| Mufreesboro-Victory Station | Murfreesboro, TN |
| Murfreesboro Main | Murfreesboro, TN |
| Murfreesboro-Memorial Blvd | Murfreesboro, TN |
| Murfreesboro Regional Ops Center | Murfreesboro, TN |
| Savannah Ridge | Murfreesboro, TN |
| Nashville Elm Hill | Nashville, TN |
| Charlotte | Nashville, TN |
| Bellevue | Nashville, TN |
| Shelbyville | Shelbyville, TN |
| Smyrna | Smyrna, TN |
| Spring Hill | Spring Hill, TN |
| Tullahoma | Tullahoma, TN |
| Tullahoma Teller/Contact Center | Tullahoma, TN |
| Franklin County | Winchester, TN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Tennessee
More federally-insured credit unions based in Tennessee, ordered by peer group match and asset size.
ASCEND nationwide neighbourhoods
Two NCUA Call Report peer sets for ASCEND, both outside Tennessee so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($4.67B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (99/100 here).
Using this data
- ASCEND ranks #44 of 4,374 nationally on financial health and #3 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ORNL is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ORNL
- Rates and health both vary by institution, not just by state -- see how Tennessee credit unions compare overall before assuming this one is typical. Tennessee state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is ASCEND financially healthy?
ASCEND scores 99/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #44 of 4,374; by total assets it ranks #98 of 4,374 nationally (same basis as /rankings/largest); and #4 of 127 within Tennessee. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 14.55% net worth ratio and a 0.52% delinquency rate.
How does ASCEND compare to other credit unions?
ASCEND scores 99/100 on PlainCU's health composite, compared to a peer group average for Over $500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join ASCEND?
ASCEND operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact ASCEND directly for the exact boundaries and application steps.
Is my money safe at ASCEND?
Federal credit unions like ASCEND are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. ASCEND's net worth ratio of 14.55% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does ASCEND offer compared to banks?
Credit unions like ASCEND are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact ASCEND directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.