BlastPoint's Credit Union Scorecard

PROVIDENT

Charter #16364 · DE

<100M

2508 CUs in <100M nationally 9 in DE

PROVIDENT has 1 strength but faces 4 concerns

National Analysis

How does the industry compare?

DE Analysis

How does DE stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 1.97% above tier average

Key Concerns

Areas that may need attention

- ROA 1.72% below tier average
- Efficiency ratio 0.50% above tier (higher cost structure)
- Member decline: -2.3% YoY
- Net Charge-Off Rate: Bottom 3.6% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (DE)	National Avg	Tier Percentile
Members	1,621 -2.3% YoY-1.3% QoQ	-1.1K	2,676 +1.6% YoY	16,940 +7.4% YoY	33,913 +5.7% YoY	43%
Assets	$12.0M -2.2% YoY+0.1% QoQ	$-18.2M	$30.2M +1.3% YoY	$214.1M +16.8% YoY	$578.3M +9.0% YoY	36%
Loans	$5.1M -1.5% YoY-5.6% QoQ	$-10.2M	$15.3M -2.0% YoY	$130.7M +18.0% YoY	$402.4M +8.7% YoY	35%
Deposits	$10.3M -2.3% YoY+0.5% QoQ	$-15.4M	$25.8M +0.7% YoY	$190.3M +16.8% YoY	$494.3M +9.1% YoY	37%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	-1.6% -376.5% YoY-777.0% QoQ	-1.7%	0.1% -77.6% YoY	1.6% +9.6% YoY	0.4% -39.2% YoY	Bottom 5.9% in tier
NIM	6.0% -8.7% YoY-5.5% QoQ	+2.0%	4.0% +4.0% YoY	3.5% +6.1% YoY	3.8% +4.1% YoY	Top 3.9% in tier
Efficiency Ratio	91.1% +11.7% YoY+11.6% QoQ	+0.5%	90.6% +6.5% YoY	78.7% -23.9% YoY	84.6% +2.8% YoY	71%
Delinquency Rate	0.8% -66.9% YoY-62.7% QoQ	-0.7	1.5% +3.8% YoY	2.3% +13.1% YoY	1.2% +3.4% YoY	55%
Loan To Share	49.0% +0.8% YoY-6.1% QoQ	-9.5%	58.5% -3.0% YoY	46.7% +1.2% YoY	65.6% -1.4% YoY	35%
AMR	$9,504 +0.3% YoY-0.3% QoQ	$-5K	$14,884 -1.7% YoY	$14,274 +3.2% YoY	$19,920 +1.6% YoY	26%
CD Concentration	13.2% +30.8% YoY+1.5% QoQ	-11.1%	24.3%	13.3%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	7.4%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (2 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

Net Interest Margin (NIM)

profitability

Value: 5.98%

Peer Median: 3.83%

#98 of 2508 Top 3.9% in <100M tier

Top Weaknesses (2 metrics)

2419

Net Charge-Off Rate

risk

Value: 3.55%

Peer Median: 0.07%

#2419 of 2508 Bottom 3.6% in <100M tier

2359

Return on Assets (ROA)

profitability

Value: -1.57%

Peer Median: 0.61%

#2359 of 2508 Bottom 6.0% in <100M tier