In my opinion you should always ascend them but depending on materials for certain servants it might be more effective to wait until you enough for to ascend vital servants.
A less helpful answer is that it depends on the servant.
Since their stat growth varies there are several that has barely any increases in the last 10 levels while others grow the most at that point.
For others you need to max ascend them to do their strengthening quests, either to improve skills (Emiya archer) or even unlocking their final skills.
I think you can find the stat growth if you browse their pages here on gamepress. I'm not much of a help on that area.
Edit:
I eyeballed their numbers, approximate growth:
quetz 1200
cat 1500
helena 900
medu 1000 atk 2000hp
saberlot 300
emiya 1400
Conclusion: Except for Saberlot most have large growths and would improve by ascending. Helena could also wait since her true value lies in her skills.
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