Louisville, Kentucky · Peer group 6
Transcend Credit Union
Transcend Credit Union holds $589.4M in assets across 50,358 members as of Q1 2026 — about $12K of assets per member, on a charter dating to 1934. Charter number 68666, in the $500M-$1B asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $589.4M |
|---|---|
| Total loans | $412.2M |
| Total shares (deposits) | $477.4M |
| Net worth | $76.6M |
| Members | 50,358 |
| Assets per member | $12K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 6.6% | |
|---|---|---|
| Loans | 5.7% | around the 56th percentile of its peer group |
| Deposits | 6.3% | around the 68th percentile of its peer group |
| Members | 3.4% | around the 72nd percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 86.3% | around the 56th percentile of its peer group |
|---|---|---|
| Net worth ratio | 13.0% | around the 82nd percentile of its peer group |
| Return on assets | 1.00% | around the 74th percentile of its peer group |
| Delinquency ratio | 0.17% | lower than 93% of its peer group |
| Cash / assets | 11.2% | around the 72nd percentile of its peer group |
| Borrowings / assets | 5.3% | around the 76th percentile of its peer group |
What this page does not show
Everything above is Transcend Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Kentucky — the comparison set a peer ratio is measured against.
- Members Heritage Credit Union
Lexington, KY
$583.6M · 54,828 members
- Members Choice Credit Union
ASHLAND, KY
$425.8M · 23,216 members
- Ashland Credit Union
ASHLAND, KY
$412.5M · 46,592 members
- Signet Credit Union
Paducah, KY
$389.6M · 20,688 members
- C-Plant Credit Union
PADUCAH, KY
$363.3M · 15,892 members
- Class Act Credit Union
Louisville, KY
$352.3M · 23,195 members
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