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.
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ASCEND vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); ASCEND sits in 95-99 with 391 others.
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
Where ASCEND diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 91.97% here, 83.90% peer average (+8.07 pp).
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.
- One place up in Tennessee, Heritage South Community Cu (#2) ties at 99/100; one place down, Jack Daniel Employees (#4) ties at 99/100.
ASCEND: 2025Q4 → 2026Q1
ASCEND: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.7% from $4.67B (2025Q4) to $4.75B (2026Q1).
- Net-worth ratio shifted +0.08 pp (14.47% → 14.55%).
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
ASCEND gives up 1 points in total. Loan-to-Share Ratio costs the most, 0.9 of its 15; Net Worth Ratio and Return on Assets and Member Growth score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is ASCEND financially healthy?
ASCEND has a financial health score of 99/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #44 of 4,374 nationally on health and #3 of 127 in Tennessee. Its net worth ratio is 14.55% and its delinquency rate 0.52%.
How does ASCEND compare to other credit unions?
ASCEND scores 99/100, higher than 98% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (91.97% vs 83.90%).
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?
ASCEND is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.