F A A vs Ascend
Comparing a Credit Union in Memphis, TN with a Credit Union in Tullahoma, TN using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| F A A ↗ Credit Union · Memphis, TN · Est. 1954 | Ascend ↗ Credit Union · Tullahoma, TN · Est. 1951 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Credit Union | Credit Union |
| Location | Memphis, TN | Tullahoma, TN |
| Total assets | $130.2M | $4.7B |
| Net worth ratio | 18.3% | 14.6% |
| Return on assets | 1.9% | 1.3% |
| Shares & deposits | — | — |
| Members | 7,656 | 265,513 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #5 of 126 | #4 of 126 |
| Established | 1954 | 1951 |
F A A
- Assets: $130.2M
- Members: 7,656
- Capital ratio: 18.3%
- Return on assets: 1.9%
- CFPB complaints: 0
- State rank: #5 of 126
Ascend
- Assets: $4.7B
- Members: 265,513
- Capital ratio: 14.6%
- Return on assets: 1.3%
- CFPB complaints: 0
- State rank: #4 of 126
Are both institutions federally insured?
Yes. F A A is NCUA-insured and Ascend is NCUA-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, F A A or Ascend?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — F A A scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is F A A safe?
Yes — F A A is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Ascend safe?
Yes — Ascend is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of F A A vs Ascend?
F A A has a net worth ratio of 18.3%, placing it in the top 4% of $100M–1B peers. Ascend's ratio is 14.6%, placing it in the top 9% of $1B–10B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does F A A have compared to Ascend?
The CFPB database shows 0 complaints against F A A, and 0 complaints against Ascend. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare F A A with other Credit Unions in Tennessee
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
