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
Call Report peers
TRANSCEND in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); TRANSCEND sits in 95-99 with 391 others.
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
Where TRANSCEND diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 88.60% vs peer 83.90% (+4.70 pp).
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.
- One place up in Kentucky, Old Kentucky Home (#1) scores 100/100, 2 points higher; one place down, Class Act (#3) ties at 98/100.
TRANSCEND: 2025Q4 → 2026Q1
TRANSCEND: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.1% from $571.8M (2025Q4) to $589.4M (2026Q1).
- Net-worth ratio shifted -0.14 pp (13.14% → 13.00%).
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
TRANSCEND gives up 2 points in total. Member Growth costs the most, 2.5 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is TRANSCEND financially healthy?
TRANSCEND has a financial health score of 98/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #94 of 4,374 nationally on health and #2 of 54 in Kentucky. Its net worth ratio is 13.00% and its delinquency rate 0.18%.
How does TRANSCEND compare to other credit unions?
TRANSCEND scores 98/100, higher than 97% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (88.60% vs 83.90%).
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?
TRANSCEND is a state-chartered 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. TRANSCEND's net worth ratio of 13.00% 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.