# ASCENT
OGDEN, UT · NCUA charter 11520 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/ascent-11520

Who the members are: federal charter, multiple common bond, organized 1957. 9,173 members of 738,104 potential (1.2% of the field); checking penetration 73% (share draft accounts per 100 members); loans per 100 members 82.

**Verdict on the desk:** this could be *ordinary*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $173.1M |
| Members | 9,173 (-0.7% YoY) |
| Full-time staff | 43 |
| Net worth | $15.6M |
| Net worth ratio | 9.0% (p14 of band) |
| ROA (annualized) | 0.02% (p10 of band) |
| Total delinquency | 0.76% (p60 of band) |
| Net charge-offs (annualized) | 0.44% (p61 of band) |
| Loans / shares | 79% (p69 of band) |
| Cash / assets | 18.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.01% (p15 of band) |
| Operating expense / assets | 3.68% (p50 of band) |
| Vehicles % of loans | 23% (p26 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 45% |
| Third-party paper % of net worth | 83% (p67 of band) |
| Vehicle delinquency | 0.90% (p67 of band) |
| Vehicle NCO | 0.69% (p60 of band) |
| Repossessed % of vehicle book | 0.11% (p80 of band) |
| Real estate % of loans | 63% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 59% |
| Core shares % of member funds | 42% |
| Certificates % of member funds | 32% |
| Average share balance | $6,943 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $1.5M |
| Loans outstanding per 100 members | 82% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $16,446 |
| Loans granted, annualized | $14.7M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $1.5M outstanding purchased (9.8% of net worth), $2,408 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 3.4% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | 3rd-party paper>100% NW |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | delinquency rising |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 3 | loans>95% of shares |  |
| 2018-03 | 2 |  | loans>95% of shares |
| 2018-06 | 3 | net worth falling |  |
| 2018-09 | 2 |  | delinquency rising |
| 2018-12 | 2 | loans>95% of shares | net worth falling |
| 2019-03 | 1 |  | loans>95% of shares |
| 2019-06 | 2 | net worth falling |  |
| 2019-09 | 1 |  | net worth falling |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 3 | thin capital, net worth falling |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 4 | members leaving |  |
| 2021-12 | 4 |  |  |
| 2022-03 | 4 |  |  |
| 2022-06 | 3 |  | net worth falling |
| 2022-09 | 4 | delinquency rising |  |
| 2022-12 | 3 | assets shrinking | thin capital, members leaving |
| 2023-03 | 3 |  |  |
| 2023-06 | 3 | loans>95% of shares | delinquency rising |
| 2023-09 | 2 |  | loans>95% of shares |
| 2023-12 | 3 | delinquency rising, loans>95% of shares | assets shrinking |
| 2024-03 | 3 | net worth falling, losing money | delinquency rising, loans>95% of shares |
| 2024-06 | 4 | delinquency rising, loans>95% of shares | net worth falling |
| 2024-09 | 4 |  |  |
| 2024-12 | 3 |  | loans>95% of shares |
| 2025-03 | 3 |  |  |
| 2025-06 | 1 |  | losing money, delinquency rising |
| 2025-09 | 0 |  | 3rd-party paper>100% NW |
| 2025-12 | 1 | net worth falling |  |
| 2026-03 | 2 | thin capital |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-11-21 [Goldenwest Credit Union to transition leadership in July 2026 - CUInsight](https://news.google.com/rss/articles/CBMipAFBVV95cUxOalQyUUNUNHJZV2V1UWRzd2oxTUNZRG1NNXdCRzZXTnUyQkI2RVd3bTRrMFpocVdKV3pRZ29ldmk5U2ZTbTBoVXdHaFFkSTh2X2ZMclZjMjZUckExSGtlMGNKdnFFREcyeldaQTRHUnR5OXlkcDFrOGtkNWNxNDVfbHg2eUhCZXp3TFFNSWxCNWluZnhTTkpMNS11VVNIY2tQUUZCaQ?oc=5) · CUInsight
- 2025-11-21 [Goldenwest Credit Union Names David Butterfield as Next President & CEO - CUTimes](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOdmhXUnhLX01mRzJfNGYyTnZNZFFaX3NMaml3RmN0eTNWQjMydjJqZEpsdXJEQjhuclVPWDkwU3lGakhPdzhaeF9ELVBqTnJPU1BZYVlXaHViTmdRUmI5aWtSNElSX3ZZWWNJSDduOG9vSEVHa2xBa3ZSc0J6ZUJzM3dza01odzZvOEZCR3NTS2RQa2dYT29RMHlPaTJ5N3VFdi04NVJYTlM1dw?oc=5) · CUTimes
- 2024-02-27 [URFC Unveil Vibrant Nike 'Ascent' Gold and 'Mountain Heir' Blue Kits - Real Salt Lake](https://news.google.com/rss/articles/CBMikwFBVV95cUxQbTVGcUxfeWtvUXozemFnVC0wQ0FpcVFpZllNSkFadVRsdkVfLVdUd3l0Z19sSnREaW9YZDh3Q3J2YXhJWmtVVFlFakJLaGZ4S2hBa2RmMTJZR2FRUWlhUGFzY2Zockd4VGxOc185M1hnWHV0YzRLaUlKNlZnamozbGR0QVozM1psU3g3SGtRUWVwNkU?oc=5) · Real Salt Lake
- 2020-09-21 [The Best Credit Unions to Work For under $200M in assets - americanbanker.com](https://news.google.com/rss/articles/CBMipwFBVV95cUxQRUFDbm9iTHp6Q2FHWjhVLXNYMU9BeWtlLW9ibnRlTTROSXlxYUpUaTZyQnlTR3o2eWlDRmR0SFNVMVNsa2NCNXVydWFUaWhlT1BTV190NmE3MEg4OFVSOXZuSGxWMEFua1lfQ01aSEFiMW1Ja1U0RFl1ak1DMDlBUWpnQmF5NTBzQ05MZzZGOEVaZWVmY1l6cDhGTjAzN3hkdUgxMklubw?oc=5) · americanbanker.com
- 2022-07-19 [Julie Wright Obituary - Lindquist Mortuary](https://news.google.com/rss/articles/CBMiaEFVX3lxTE9BTjlqZFBlS2hEZEVBOTBab3RkMjZWSU1rQXdXY3otTnFSVGNOZDdDV1BrbnVOTFd2MUpxY2RDdlc0ZTNhM1pUYlpmajZJUGFyc003Ymh1cm9La1RYNUFUaDVweFZDZXpS?oc=5) · Lindquist Mortuary
- 2022-03-25 [Susan C. Obituary March 25, 2022 - Aaron's Mortuary & Crematory](https://news.google.com/rss/articles/CBMickFVX3lxTE1yNE5TZXkwNkZYV0ZtV1QzbzByWkREOFY1ZmRBUkhoWUpCaDdFVkdCbXlPbXNOR0lMNW9Ib25PV2JWTUs1UHVKWGdhVW5LZnVuYURwZkE5czFwLXFDNXZJNHJSVkRaWXlkSFlEWUlZX29jUQ?oc=5) · Aaron's Mortuary & Crematory
- 2025-04-12 [Jessica Holdaway, Ascent Academy West Valley - KSL.com](https://news.google.com/rss/articles/CBMipAFBVV95cUxOT1p2NFJnaGNJdld5ekMzSW9ZeF9KMmJTU1BFOUwwOXQwYkx6NzM1MEUxTlZLSC1OQjhiOTdRcHFEZk0tb2I3YWkwOUR1RWNGQmI3Y19qVjQ2ZFRPNEFLc2JMUGNvNU9KREJyV0dLRjBUWk1sUjZIN1Q4YU84TXFZNjdqLUswa1A0SU1RUktkVVh6Tk9OTzAxZmo2TEV4ck9nN1BnTA?oc=5) · KSL.com
- 2025-02-19 [Cool School: Students aim higher at Ascent Academy West Jordan - FOX 13 News Utah](https://news.google.com/rss/articles/CBMirgFBVV95cUxPaDBJUVFWY29ONnhQVUJJQUh3TE05UDFucmpBWTdBazA3ZzFQWnh0cVNPd18xdWRHNW5qS0FsNi1nSTlOQkptNk05RTlYckkzZGd6dmVPNkU1M21xbkNUTmlrU3hnVjIzU20tWC1uYjhyc2RwbXJ3bzZFam9UNnIyOS1OQ1hXU3hCSTFqc241NnNqQ05GQUhWT3d1YkNGcUxIY3hmMENtV1l6VUZscHc?oc=5) · FOX 13 News Utah

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=11520 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/0.json (key "11520", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=11520
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide