TellerScore

Headquartered in Bettendorf, Iowa, Ascentra Credit Union is a federally insured state-chartered credit union with $596.0M in total assets and $511.6M in member shares and deposits as of Q2 2026. It operates 9 offices across 2 states. Its charter dates back to 1950.

Ascentra Credit Union has a TellerScore of 63 out of 100 (moderate) based on Q2 2026 data — higher than only 29% of its 1,341 credit unions with $100 million – $1 billion. Among 66 credit unions headquartered in Iowa, it ranks 48th. Problem-loan coverage contributes the most (89/100, 5.3%); earnings contributes the least (41/100, 0.53%).

TellerScore · Q2 2026

Scorecard

Capital cushion52/100
Net worth ratio: 10.16%
Loan quality75/100
Loans 60+ days delinquent ÷ total loans: 0.76%
Earnings41/100
Return on assets (annualized): 0.53%
Funding & liquidity78/100
Loans ÷ shares: 81.8% · 3.5% uninsured
Problem-loan coverage89/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.28%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (64 → 63).

TellerScore
606264Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202460
Q3 202461
Q4 202460
Q1 202563
Q2 202564
Q3 202561
Q4 202562
Q1 202661
Q2 202663
Net worth ratio
7.00%8.68%10.37%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.06%
Q3 202410.37%
Q4 202410.29%
Q1 20259.99%
Q2 202510.08%
Q3 202510.33%
Q4 202510.25%
Q1 202610.07%
Q2 202610.16%
Delinquent loans (60+ days)
0.68%0.86%1.04%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.04%
Q3 20241.00%
Q4 20240.97%
Q1 20250.75%
Q2 20250.68%
Q3 20251.03%
Q4 20250.89%
Q1 20260.89%
Q2 20260.76%
Return on assets
0.43%0.51%0.59%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.57%
Q3 20240.54%
Q4 20240.43%
Q1 20250.55%
Q2 20250.55%
Q3 20250.59%
Q4 20250.53%
Q1 20260.50%
Q2 20260.53%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202663$596.0M10.16%0.76%0.53%81.8%
Q1 202661$593.2M10.07%0.89%0.50%81.0%
Q4 202562$575.2M10.25%0.89%0.53%84.9%
Q3 202561$566.5M10.33%1.03%0.59%85.8%
Q2 202564$571.2M10.08%0.68%0.55%83.2%
Q1 202563$568.4M9.99%0.75%0.55%81.5%
Q4 202460$543.9M10.29%0.97%0.43%85.3%
Q3 202461$538.9M10.37%1.00%0.54%85.9%
Q2 202460$549.3M10.06%1.04%0.57%83.7%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.16%
31st
Problem loans0.76%
44th
Net charge-offs0.48%
38th
Return on assets0.53%
33rd
Loans to deposits81.8%
36th
Uninsured deposits3.5%
77th
Loan-loss reserves0.00%
50th
Texas ratio5.3%
36th

Similar-size credit unions in Iowa

InstitutionScoreAssetsCapitalProblem loansCompare
Greater Iowa Credit UnionCredit union Ames, IA59 out of 100, Moderate$715.1M9.7%0.96%vs
Corda Credit UnionCredit union Cedar Rapids, IA58 out of 100, Moderate$776.3M9.5%0.66%vs
Premier Credit UnionCredit union Des Moines, IA51 out of 100, Below average$382.9M8.6%1.09%vs
Members1st Community Credit UnionCredit union Marshalltown, IA59 out of 100, Moderate$311.1M9.5%0.88%vs
Community Choice Credit UnionCredit union Johnston, IA79 out of 100, Strong$922.9M12.7%0.57%vs
Citizens Community Credit UnionCredit union Fort Dodge, IA88 out of 100, Very strong$253.6M19.1%0.73%vs

Deposit insurance

Is my money safe at Ascentra Credit Union?

Yes. Ascentra Credit Union is a federally insured credit union (NCUA charter #63268). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 3.5% of shares and deposits ($17.9M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 10.16%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

9 locations

Branches

Ascentra Credit Union lists 9 offices in 5 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Ascentra Credit Union reported 870 home-loan applications under HMDA (LEI 549300NSOTTGIGCIV712): 623 originated ($68,225,000 total), 142 denied, and 104 withdrawn or closed by the applicant. Its denial rate on decided applications was 18.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Ascentra Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
63268
RSSD ID
555591
Primary regulator
State + NCUA
Established
1950
Headquarters
PO Box 1107, Bettendorf, IA 52722
Employees
182

Quick answers

Ascentra Credit Union: common questions

Is Ascentra Credit Union NCUA insured?

Yes. Ascentra Credit Union is a federally insured credit union (NCUA charter #63268). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Ascentra Credit Union's TellerScore?

63 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Ascentra Credit Union have?

9 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Bettendorf

InstitutionScoreAssetsCapitalProblem loansCompare
Kone Employees Credit UnionCredit union Moline, IL94 out of 100, Very strong$20.7M17.5%0.55%vs
Blue Grass Savings BankBank Blue Grass, IA89 out of 100, Very strong$225.5M14.3%0.34%vs
Farmers National BankBank Prophetstown, IL88 out of 100, Very strong$895.7M15.0%0.23%vs
First Central State BankBank Dewitt, IA83 out of 100, Strong$772.4M13.4%0.21%vs
Service Plus Credit UnionCredit union Moline, IL81 out of 100, Strong$34.7M12.3%0.46%vs
1st Gateway Credit UnionCredit union Camanche, IA80 out of 100, Strong$170.9M14.1%0.35%vs