Federal credit union · TULLAHOMA, Tennessee · NCUA charter #7397
Ascend
Health score 99/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 99
- Health / 100
- $4.67B
- Total assets
- 263,809
- Members
- 14.3%
- Net-worth ratio
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.
Ascend - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)99
- Earnings (ROA)100
- Member growth100
- Liquidity (loan-to-share)94
Weighted composite: 99/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 14.30% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 14.30% | 30% |
| Delinquency Rate | 0.52% | 25% |
| Return on Assets | 0.86% | 15% |
| Member Growth | 5.89% | 15% |
| Loan-to-Share Ratio | 91.97% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Ascend
Ascend is a federal credit union headquartered in TULLAHOMA, Tennessee, serving 263,809 members with $4.67B in total assets and $3.42B in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 99/100 (Excellent), anchored by a net worth ratio of 14.30% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #7397 operates under peer group Over $500M, a cohort of 749 similarly-sized institutions.
Deposits deployed into lending sit at a 91.97% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Loan quality, meanwhile, shows 0.52% of the book 60+ days past due - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers. Return on assets stands at 0.86% on net income of $40.3M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 5.89%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Community) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Tennessee
More federally-insured credit unions based in Tennessee, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Ascend financially healthy?
Ascend scores 99/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 14.30% 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 14.30% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.