State credit union · Louisville, Kentucky · NCUA charter #68666
TRANSCEND
Health score 98/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 98
- Health / 100
- $571.8M
- Total assets
- 49,871
- Members
- 13.0%
- Net-worth ratio
TRANSCEND scores 98/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $571.8M; members 49,871; net-worth ratio 13.00%; health rank #94 of 4,374; healthier than 97th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#94 of 4,374 health · 2025Q4TRANSCEND · health 98/100 · $571.8M · 2025Q4
- NW 98/100
- DELQ 13.0%
- ROA 0.18%
- ASSETS 0.75%
- MEM $571.8M
- RANK 49,871
- PHOTO #94/4,374
- BOOK Associated Credit Union of Texas
- CHARTER 68666
Call Report peers
TRANSCEND in the assets neighbourhood
TRANSCEND's $571.8M assets sit next to Associated Credit Union of Texas ($570.6M) 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.
TRANSCEND 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
98 Top 3% higher than 97% 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
TRANSCEND - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #68666: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Where TRANSCEND diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 88.60% vs peer 83.90% (+4.70 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where TRANSCEND sits in Kentucky
- Kentucky health ordinal: #2 of 54.
- Assets rank #6 of 54 inside Kentucky ($571.8M reported).
- Member book place in Kentucky: #7 of 54.
In-state ordinals use the live credit_unions table for KY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
TRANSCEND: 2025Q4 → 2026Q1
TRANSCEND: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.1% from $571.8M (2025Q4) to $589.4M (2026Q1).
- Net-worth ratio shifted -0.14 pp (13.14% → 13.00%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 13.00%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 98/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 98.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 12.5 pts
- Loan-to-Share Ratio 15.5 pts
TRANSCEND vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.00% | +1.82 pp |
| Delinquency Rate | 0.18% | -0.69 pp |
| Return on Assets | 0.75% | +0.24 pp |
| Member Growth | 2.95% | - |
| Loan-to-Share Ratio | 88.60% | +4.70 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).
TRANSCEND quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $589.4M | - |
| 2025Q4 | $571.8M | 49,871 |
| 2024Q4 | $540.2M | 48,444 |
| 2023Q4 | $519.3M | 47,228 |
Credit Union Details
- Charter Number
- 68666
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Kentucky
- City
- Louisville
- Data Quarter
- 2025Q4
Branch Locations (6)
TRANSCEND operates 6 offices across 3 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Louisville, KY |
| Lexington Branch | Lexington, KY |
| Downtown | Louisville, KY |
| Okolona | Louisville, KY |
| Middletown | Louisville, KY |
| Dixie | Shively, KY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Kentucky
More federally-insured credit unions based in Kentucky, ordered by peer group match and asset size.
Other-state peers near TRANSCEND
Two NCUA Call Report peer sets for TRANSCEND, both outside Kentucky 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 ($571.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (98/100 here).
Using this data
- TRANSCEND ranks #94 of 4,374 nationally on financial health and #2 of 54 in KY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Members Heritage is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Members Heritage
- Rates and health both vary by institution, not just by state -- see how Kentucky credit unions compare overall before assuming this one is typical. Kentucky 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 TRANSCEND financially healthy?
A 13.00% net worth ratio and a 0.18% delinquency rate feed into TRANSCEND's financial health score of 98/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #94 of 4,374; by total assets it ranks #699 of 4,374 nationally (same basis as /rankings/largest); and #6 of 54 within Kentucky. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does TRANSCEND compare to other credit unions?
PlainCU's health composite puts TRANSCEND at 98/100, compared to a peer group average for Over $500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 TRANSCEND?
Membership eligibility for TRANSCEND depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact TRANSCEND directly for current membership requirements and application steps.
Is my money safe at TRANSCEND?
Federal credit unions like TRANSCEND 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. TRANSCEND's net worth ratio of 13.00% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does TRANSCEND offer compared to banks?
Credit unions like TRANSCEND 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 TRANSCEND 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.