Charter 68666 · Louisville, KY
Transcend Credit Union
Transcend Credit Union is a state-chartered credit union in Louisville, Kentucky, with $588 million in assets and 50,984 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 13.37%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $588 million
- +4.5% in a year
- Members
- 50,984
- +3.7% in a year
- Net worth ratio
- 13.37%
- Peer median 10.79%
- Loans 60+ days late
- 0.13%
- Peer median 0.67%
- Loans outstanding
- $431 million
- +10.0% in a year
- Shares and deposits
- $473 million
- +3.5% in a year
- Branches
- 6
- 72 employees
- Opened
- 1934
- Kentucky charter
How Transcend Credit Union compares
NCUA groups credit unions by size; Transcend Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 13.37% is higher than that group's median of 10.79%, and its share of loans 60 or more days past due, 0.13%, is lower than the group median of 0.67%. Loans grew 10.0% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 7 of 51 credit unions headquartered in Kentucky. See all Kentucky credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $588 million | 50,984 | $431 million | 13.37% | 0.13% |
| Q1 2026 | $589 million | 50,358 | $412 million | 13.00% | 0.17% |
| Q4 2025 | $572 million | 49,871 | $409 million | 13.14% | 0.18% |
| Q3 2025 | $557 million | 49,615 | $411 million | 13.12% | 0.16% |
| Q2 2025 | $563 million | 49,172 | $391 million | 12.68% | 0.16% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 2.0 million potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 6 sites for Transcend Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Main Office (main office)
3740 Bardstown Rd, Louisville, KY 40218 - Downtown
601 S Floyd St Ste 100, Louisville, KY 40202 - Lexington Branch
2549 Regency Rd Ste 105, Lexington, KY 40503 - Okolona
4816 Outer Loop, Louisville, KY 40219 - Dixie
4652 Dixie Hwy, Shively, KY 40216 - Middletown
12104 Shelbyville Rd, Louisville, KY 40243
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology