BlastPoint's Credit Union Scorecard
PROVIDENT
Charter #16364 · DE
PROVIDENT has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.44% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.21% below tier average
- - Delinquency rate 0.03% above tier average
- - Net Charge-Off Rate: Bottom 6.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (DE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,645
-0.8% YoY-0.2% QoQ
|
-980 |
2,625
-2.2% YoY
|
17,253
+10.0% YoY
|
33,089
+6.1% YoY
|
44% |
| Assets |
$11.7M
-0.5% YoY-1.4% QoQ
|
$-18.1M |
$29.9M
+1.1% YoY
|
$195.2M
+8.0% YoY
|
$547.7M
+7.8% YoY
|
36% |
| Loans |
$5.3M
+0.8% YoY+1.4% QoQ
|
$-10.5M |
$15.8M
-2.4% YoY
|
$121.5M
+9.1% YoY
|
$388.7M
+8.6% YoY
|
35% |
| Deposits |
$10.0M
-1.4% YoY-1.8% QoQ
|
$-15.4M |
$25.5M
+0.4% YoY
|
$172.1M
+8.7% YoY
|
$464.6M
+9.3% YoY
|
37% |
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| ROA |
0.5%
+4.6% YoY+4.3% QoQ
|
-0.2% |
0.7%
-731.4% YoY
|
2.8%
+77.8% YoY
|
0.7%
+273.4% YoY
|
36% |
| NIM |
6.4%
+3.5% YoY+2.4% QoQ
|
+2.4% |
3.9%
+3.8% YoY
|
3.3%
+6.1% YoY
|
3.7%
+5.0% YoY
|
Top 2.8% in tier |
| Efficiency Ratio |
79.6%
+1.4% YoY+0.7% QoQ
|
-1.8% |
81.4%
-2.4% YoY
|
77.7%
-4.8% YoY
|
79.1%
-3.3% YoY
|
53% |
| Delinquency Rate |
1.5%
-28.1% YoY-57.6% QoQ
|
+0.0 |
1.5%
-2.0% YoY
|
2.7%
+22.3% YoY
|
1.2%
-0.9% YoY
|
73% |
| Loan To Share |
52.7%
+2.3% YoY+3.2% QoQ
|
-8.5% |
61.2%
-3.0% YoY
|
48.0%
+0.7% YoY
|
68.0%
-1.7% YoY
|
36% |
| AMR |
$9,317
+0.1% YoY-0.5% QoQ
|
$-5K |
$14,627
-2.7% YoY
|
$13,877
+1.3% YoY
|
$19,418
+1.3% YoY
|
25% |
| CD Concentration |
11.0%
+14.0% YoY+3.8% QoQ
|
-13.4% |
24.4%
+4.2% YoY
|
12.6%
+3.7% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.8%
-5.9% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)