# ASCENTRA
Bettendorf, IA · NCUA charter 63268 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/ascentra-63268

Who the members are: state charter, organized 1950, low-income designated. 42,882 members of 925,000 potential (4.6% of the field); checking penetration 71% (share draft accounts per 100 members); loans per 100 members 66.

**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 | $593.2M |
| Members | 42,882 (0.2% YoY) |
| Full-time staff | 176 |
| Net worth | $59.7M |
| Net worth ratio | 10.1% (p44 of band) |
| ROA (annualized) | 0.50% (p41 of band) |
| Total delinquency | 0.89% (p73 of band) |
| Net charge-offs (annualized) | 0.42% (p50 of band) |
| Loans / shares | 81% (p50 of band) |
| Cash / assets | 11.2% |
| Borrowings / assets | 2.12% |
| Net interest margin | 4.23% (p92 of band) |
| Operating expense / assets | 5.08% (p96 of band) |
| Vehicles % of loans | 22% (p32 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p14 of band) |
| Vehicle delinquency | 0.60% (p52 of band) |
| Vehicle NCO | 1.28% (p68 of band) |
| Repossessed % of vehicle book | 0.00% (p18 of band) |
| Real estate % of loans | 55% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 89% |
| Core shares % of member funds | 63% |
| Certificates % of member funds | 23% |
| Average share balance | $5,722 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $15.5M |
| Loans outstanding per 100 members | 66% |
| Loans granted per 100 members, annualized | 20% |
| Average loan balance | $14,509 |
| Loans granted, annualized | $117.4M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $15.5M outstanding purchased (26.0% of net worth), $0 sold and retained. Sold in 0 and bought in 7 of the last 8 quarters. Shares 3.4% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **expense trap** (`earn_opex`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | leaning on borrowings |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | delinquency rising |  |
| 2017-06 | 1 |  | delinquency rising |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | leaning on borrowings |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | net worth falling |  |
| 2019-09 | 0 |  | net worth falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | net worth falling |  |
| 2020-06 | 2 | margin squeeze |  |
| 2020-09 | 1 |  | net worth falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 3 | thin capital, net worth falling |  |
| 2021-06 | 0 |  | margin squeeze, thin capital, net worth falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | expense trap |  |
| 2022-03 | 2 | net worth falling |  |
| 2022-06 | 1 |  | net worth falling |
| 2022-09 | 2 | delinquency rising |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | delinquency rising |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 3 | net worth falling, delinquency rising |  |
| 2024-06 | 2 |  | net worth falling |
| 2024-09 | 1 |  | delinquency rising |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | net worth falling |  |
| 2025-06 | 1 |  | net worth falling |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | net worth falling |  |

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

- 2026-05-20 [Ascentra Credit Union to break ground in Rock Island on new branch - KWQC](https://news.google.com/rss/articles/CBMilAFBVV95cUxOWjc3OFluUWhqeGs5T2owcDdEbDNnNzN0VXVWWEw5bFlfZU5UR0RLOUtsYzVOY2piMnp2MXJEdjBfNjRmUjhfbUZ4WURHN0pZMC1YWnctcVNoWjdZUWVCNDJuUkFybDB5QXJlRXRLbWh3Z2ZuUnlHcE5UdUFfaFlETkF5Xzd3RVJERm1kNGc3NTdHcVVj0gGoAUFVX3lxTFBlMDBTRnpFOHlGMXVHYlcyMldIck91a1RJMnNsS2RiLUhaX2lPN0F1eUhhX0Z6RG9rdFlDWkEtQS04eGY2Q1RITTNIdExLNjVtdUpuRk9iSkRzUkJyQWdtZ0g5SU1yYktUOVhoM0RvU0RVUlZWaHBNc3BZa21vUlg5QlRxTGhhazliejhyczZYU0N5MnN3SG5zSTRWRDFjLUtoSlZFd0JuVQ?oc=5) · KWQC
- 2026-07-09 [Ascentra Credit Union Included on Forbes List of the America’s Best-in-State Credit Unions 2026 Ranking - River Cities' Reader](https://news.google.com/rss/articles/CBMiyAFBVV95cUxQR0VidUxpajJHUFdvU0Y2UzlHcjMzVUloVU5KSEk1NEpuY0F3WUl1WkFvTUw2eEQtbTBGejgxTU5NdzFMNEtkc0xoRWVmTV9aNVhJdEFuSWg4VFE4c0JDRXY5NlN4UF9aYXdYX3dKUURzT3E0NUp4QjE0Q3A0MXNMQWJTUmp6SlVRWXVnVzd3aDZMLXA5YmwyU0NoOTRTY0JLd0p2VXI1a0JBclRlU3BMZHA4akxjVlVfU0hWd2JEeE15TXphMzllRw?oc=5) · River Cities' Reader
- 2026-05-21 [Ascentra Credit Union breaks ground on new Rock Island location - WQAD](https://news.google.com/rss/articles/CBMi3AFBVV95cUxQRTFCMFRDUmxuWDd0bnUwbFluWmVqdTR5NHNJTWxGQVhoOWtZS20zS1BRbVhuUHdFVVk2RjdmRjBXR0tiRnd1SGEwdDdPN0MzSkZHSEp2ZWN4NVZ2eFV6OGhLVi1YSENFZUJOMkpiUThvSnhDVml5WnNFdG04YTFtajhIbmNJVmJQNktOMlVyMV9WUTZvYm52QzlfVXQxUWhlTXFocUw4QWVXdGx1WWtYSmJ1dFZUdVByRmlyczBvNy1xeHNDX3ZmMFFfT0ZWZWVWNlgzSVlCcEF0LUVP?oc=5) · WQAD
- 2026-05-21 [Ascentra Credit Union breaks ground on new site in West End of Rock Island - OurQuadCities](https://news.google.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?oc=5) · OurQuadCities
- 2026-07-08 [Ascentra ranked on Forbes’ list of America’s Best-In-State Credit Unions - Quad Cities Business Journal](https://news.google.com/rss/articles/CBMipAFBVV95cUxPRmxKOUFnakZBUU1GaWN1RlMyMFl1T2VOeFBTbkpNVERhQU0yY3U3YXZHQ2xNTE1DMWliWXFxNzFVVXJKRldDWmRHVnE3RGZqYW5UaU43ZFBpbkVQX1hxeXAxbzZiTVd1NWNmTzJQR1YxN282MENMVG5aNlRmdWRUS0dwU0hnSlY2Vm9Kc215S0JyLW1lTXlHZGM0aUdhc2dBRHIwSQ?oc=5) · Quad Cities Business Journal
- 2026-01-09 [Old LeClaire Ascentra building to be demolished for a Culver's - WQAD](https://news.google.com/rss/articles/CBMi0gFBVV95cUxQNkFIeGNVM0tFelBDMnVsc2stT3UtLVAyX3I2UW9mNmpncXRZWDFSOVJOdzdnNWtkOFFaQkdTenlwOHZGMEtGbXpPNG5yOE80cUEtRVI2X1VQZS1PZVliV2QydVlnVEI4T2xFZkNrQlBxS2N0cmZJQ0dMeXNiYldDZ0VZSHFwNXlUYm9qVDVqS0JrbmVQcW52Z2NMUTlmN2lWR0l5TWh2anctdW9KTW05VWYtWUZmMGxHLUdKWU5LTkEyU3c2TmdJXzlBV0RsQjg5QkE?oc=5) · WQAD
- 2025-10-03 [Police need help to find man accused of robbing Ascentra Credit Union - KWQC](https://news.google.com/rss/articles/CBMipAFBVV95cUxQcjdtdVVjcy02VU42SUY1UnZReWRGemxGWXdTa3VrQUhJUC1ucHRRdGV4UlhzQ3I5R2pHdFhzdUpFaHJQM002anBNWjdMdnUwYi1BbnlVSnJadUVRSXNzZk9aZ2hsTkNVdEpWaVRUeG9SZnY3WThFZnZyS2tJVHJZSFZsQmpWM1hnRGFHazVtS2ltbF9tYklnTUgxQWtfT0xXdGVFOA?oc=5) · KWQC
- 2020-11-17 [Ascentra Credit Union CEO dead at 52 - American Banker](https://news.google.com/rss/articles/CBMijgFBVV95cUxPcFJPeVE1TV9xb3NZaHUzS3ZOMWh1Sm1SQV9FMkppc0xwZm9zcUlUZTYybmVuTV9QYUR0RGFJXzZ4WVljTlk5WlYzeE5uRm9DR1N6NVFoMHVkajliUFFfLWVxM2hHWF9rYUQtY3JqVVBmZWdVYkNtOWhKY1M5QVJlVDlZNWJVcnR1R1dTNWd3?oc=5) · American Banker

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=63268 (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/36.json (key "63268", 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=63268
- 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