# TRANSCEND
Louisville, KY · NCUA charter 68666 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/transcend-68666

Who the members are: state charter, organized 1934, low-income designated. 50,358 members of 1,961,333 potential (2.6% of the field); checking penetration 35% (share draft accounts per 100 members); loans per 100 members 41.

**Verdict on the desk:** this could be *auto monoline*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $589.4M |
| Members | 50,358 (3.4% YoY) |
| Full-time staff | 65 |
| Net worth | $76.6M |
| Net worth ratio | 13.0% (p82 of band) |
| ROA (annualized) | 1.00% (p74 of band) |
| Total delinquency | 0.17% (p8 of band) |
| Net charge-offs (annualized) | 0.16% (p16 of band) |
| Loans / shares | 86% (p66 of band) |
| Cash / assets | 21.8% |
| Borrowings / assets | 5.26% |
| Net interest margin | 2.68% (p9 of band) |
| Operating expense / assets | 2.73% (p14 of band) |
| Vehicles % of loans | 65% (p98 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 78% |
| Third-party paper % of net worth | 274% (p88 of band) |
| Vehicle delinquency | 0.23% (p17 of band) |
| Vehicle NCO | 0.20% (p12 of band) |
| Repossessed % of vehicle book | 0.00% (p18 of band) |
| Real estate % of loans | 31% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 51% |
| Certificates % of member funds | 40% |
| Average share balance | $6,651 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 41% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $19,880 |
| Loans granted, annualized | $150.5M |

## Flags firing in the latest filing

- **leaning on borrowings** (`str_borrowings`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 3 | leaning on borrowings |  |
| 2016-09 | 2 |  | leaning on borrowings |
| 2016-12 | 3 | leaning on borrowings |  |
| 2017-03 | 2 |  | leaning on borrowings |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 3 | leaning on borrowings |  |
| 2018-03 | 2 |  | leaning on borrowings |
| 2018-06 | 3 | leaning on borrowings |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 4 | net worth falling |  |
| 2020-03 | 3 |  | leaning on borrowings |
| 2020-06 | 3 |  |  |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 3 | net worth falling |  |
| 2021-09 | 2 |  | net worth falling |
| 2021-12 | 3 | members leaving |  |
| 2022-03 | 3 |  |  |
| 2022-06 | 3 |  |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 2 |  | members leaving |
| 2023-03 | 2 |  |  |
| 2023-06 | 4 | delinquency rising, leaning on borrowings |  |
| 2023-09 | 3 |  | delinquency rising |
| 2023-12 | 4 | delinquency rising |  |
| 2024-03 | 3 |  | delinquency rising |
| 2024-06 | 3 | delinquency rising | leaning on borrowings |
| 2024-09 | 2 |  | delinquency rising |
| 2024-12 | 3 | leaning on borrowings |  |
| 2025-03 | 5 | net worth falling, delinquency rising |  |
| 2025-06 | 2 |  | leaning on borrowings, net worth falling, delinquency rising |
| 2025-09 | 3 | delinquency rising |  |
| 2025-12 | 4 | leaning on borrowings |  |
| 2026-03 | 3 |  | delinquency rising |

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

- 2021-04-14 [Transcend Credit Union – Louisville - Towne Post Network -](https://news.google.com/rss/articles/CBMic0FVX3lxTFAzTktSSEEtdDhIek81M1pqLWZld3dCeDNQQWRrN3lsS0g5czEtVTRfMUxJSjhLN1Q0RmoxYzl3aUhmRW9aSFEyZG5xRXFFYVgzTDhtX1RQbVhiSlJjWXdWSkVxcUEyNFU4ZlQ1SU9mZzJOZ1U?oc=5) · Towne Post Network -
- 2026-09-04 [Win a Gift Card From Transcend Credit Union! - WHAS11](https://news.google.com/rss/articles/CBMi1gFBVV95cUxPd1VCM3VDM0dYTlRvaWUxZXAtV0xMTjlLM1hnVTNyS1NWa2sxdUl3MkROMldYcWM2QjN4ZWJ3aWNITDFuWVRfRHZUendrT1VTV1NxMXVGd25mdTNocFZqV1N2b0pXSGo2VEFYRGdqTDJXYjFtMW1XNTVEQi1YYWU2TllaeUFGM25RZm9KdFF0MlNDQTluR1NvSDZzcEVwVFNXZWppZ3RYelcxbjhMNFYyNmtKN3BJb2E2NVJweXBEeXZkb1J4N1RPVWktcjhNVUJzTldVLUpB?oc=5) · WHAS11
- 2020-07-22 [Jefferson County Federal Credit Union rebrands to Advanz - The Business Journals](https://news.google.com/rss/articles/CBMirgFBVV95cUxOY2RZNkFqR0R3MDRxU2F0YnpuOVdWb0NjOWRlUm1ZbWgtblRPMzhsUWtXbHJZNkNfUXp6X0VaQVdRS3NQSEVueHBGYUhLOHBxVUZsYlo5SkYwSkNWNUh2czczazQ5VkxIaU9OVGNJWmVDX0Y4N2lCdTZxdXZ0VTRvY1pYUWtrSzZXR0lDZEV5a3NmMlpXeE9YOEQ4LWVCbkR0SXJsdWM2ZldjYnRTeXc?oc=5) · The Business Journals
- 2021-06-02 [Kevin Cowherd Obituary (2018) - Louisville, KY - Courier-Journal - Legacy obituary](https://news.google.com/rss/articles/CBMijwFBVV95cUxOM3dENmZ2U3hSV0tnMnJFVFVQeGRaVDFrQ2l2QnZIRDRHVkpoUjhIRXRxWTZHVm1xTklxOHZTX0VtaW9rZllud0pHQUcwbVJRS1RLQnpiNG0teXFYdzItUXhsSUJXeWxYc0JqczhaZi1tSkpYdEdVS2cwckFrR0daV1I1MENRQWJZTFdyZTdvUQ?oc=5) · Legacy obituary
- 2019-07-02 [Forbes rates this credit union as the best in Louisville - The Business Journals](https://news.google.com/rss/articles/CBMimgFBVV95cUxNeVljem9PdUE5U3YzcFRadTZsay1XSTFvLUNfbDdSbkZRb0lyQnBXX3JsaVhxUXZDbTlXQTBxMGFaYTBzaDlMN1hGcUlBNXVBbEk0YUNjQmFHSElpSVlFbjBiT1VOekRabUZ1c2hCMGJ6RmZibGw5aXZlci1NRGhxd0hiOUhZSmtib1Q3ekVrcDh5eXAxNE1fRlp3?oc=5) · The Business Journals
- 2021-05-31 [State lawmakers pre-file bills to help LGBTQ+ community - WHAS11](https://news.google.com/rss/articles/CBMi4AFBVV95cUxQQjE2ZE5INTRHSnJGei1QV2VmaVJUR014aXZHM3o3RGdCU2xLYWlhYlE1T3lGN25KX2lMUVlxa1Y1RHQ2amRIM0pGOXpSVnZmWGpnZ28xRVhIcTFXZDZUZzU1QlhBYW9JZW1yX3RabnpYdmhuQ2ZKUXhxaFBkSUk2LXZ3Y3JVS2FBV3ZwMnJpdTlaZjF5SUxGMVFQSUlUUTdfbTREeVpJRndTRDBsOUlQaThsLUdvYkVZdnBHMEstVTNFN2JYbkJqUzZUSTVpV1F5Z2pVanh5MUk5S3JualU4Mg?oc=5) · WHAS11
- 2024-02-07 [Thousands of people expected to come to Kentucky for the upcoming total solar eclipse - WHAS11](https://news.google.com/rss/articles/CBMi2gFBVV95cUxOblFreWhucGpieHdEOUpPOTFWdmphaS1MaGVFcUJTaTl1cEZaaVhfVFlwTkxISGZud0lnRHFDZFUzRmdveFplTXJrNU5lcEJRNkFCdzgza3Ffem5FR1FiQ1ZYQks3cmw4MzhqYTJGUUk5cXBaWVdYRnRFUU9TU3BGYkZvUnNsWFQ5endlRFJpMGlxOE00R3BHQUwyWmhiZnNfRDRYOEYxMGMyUVB3QXZDcmFNOXM1bXA3ajVtMUt4bG9JQWlUQ1JjSWRCQUNaVDlMX0pJZDlEbjdadw?oc=5) · WHAS11
- 2025-04-07 [Salt River floods downtown Shepherdsville; more than 100 rescued across Bullitt County - WHAS11](https://news.google.com/rss/articles/CBMi2gFBVV95cUxPQ3BCWnhzTm51c1BQaE16UUtYRXU2TGFFMDd4V1hoSkxiVTV3OWxFLVJuOFpJTG1ray1DamVtaVFZWlQ2TlQxemY5c1lGNWF3eHdVVUhhSGl2djZrNXVMdmdCTzh2VExGS2F1b0hqdklnaUY5X0lXWE54ZXEtRzl6akFEaDN6ZEp4aGtwWmZjYkhlRTdJTGV3a3NJRDBacVlHY0FWc0VYM2JiNXZRbF9fa1p4NXRPWVFZSmR1bm1XWUpSaE0wUFB6TVRuV0sxWF9sQXAyZFpvVk5XQQ?oc=5) · WHAS11

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68666 (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/58.json (key "68666", 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=68666
- 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.

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