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 2.38% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.39% below tier average
- - Delinquency rate 0.50% above tier average
- - Net Charge-Off Rate: Bottom 5.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (DE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,642
-0.8% YoY-0.2% QoQ
|
-973 |
2,615
-1.9% YoY
|
17,002
+8.0% YoY
|
33,374
+5.7% YoY
|
44% |
| Assets |
$12.0M
+0.7% YoY+2.0% QoQ
|
$-18.2M |
$30.1M
+2.1% YoY
|
$210.6M
+17.0% YoY
|
$561.6M
+9.7% YoY
|
36% |
| Loans |
$5.4M
+4.2% YoY+1.4% QoQ
|
$-10.4M |
$15.8M
-1.3% YoY
|
$130.5M
+17.1% YoY
|
$397.0M
+8.8% YoY
|
36% |
| Deposits |
$10.3M
+0.6% YoY+2.5% QoQ
|
$-15.4M |
$25.7M
+1.4% YoY
|
$186.4M
+17.6% YoY
|
$477.3M
+9.7% YoY
|
37% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.2%
-64.1% YoY-51.4% QoQ
|
-0.4% |
0.6%
+10.8% YoY
|
2.3%
+136.3% YoY
|
0.7%
+15.9% YoY
|
27% |
| NIM |
6.3%
+3.5% YoY-0.6% QoQ
|
+2.4% |
4.0%
+4.0% YoY
|
3.4%
+5.3% YoY
|
3.8%
+5.1% YoY
|
Top 2.7% in tier |
| Efficiency Ratio |
81.7%
+3.3% YoY+2.6% QoQ
|
-0.9% |
82.6%
-2.3% YoY
|
76.4%
-7.9% YoY
|
79.7%
-3.3% YoY
|
55% |
| Delinquency Rate |
2.1%
+47.5% YoY+33.9% QoQ
|
+0.5 |
1.6%
-3.1% YoY
|
1.8%
-3.1% YoY
|
1.3%
-2.1% YoY
|
79% |
| Loan To Share |
52.1%
+3.6% YoY-1.1% QoQ
|
-8.5% |
60.6%
-3.1% YoY
|
48.0%
+1.1% YoY
|
67.4%
-1.7% YoY
|
36% |
| AMR |
$9,531
+2.6% YoY+2.3% QoQ
|
$-5K |
$14,783
-1.4% YoY
|
$14,177
+3.6% YoY
|
$19,687
+2.0% YoY
|
26% |
| CD Concentration |
13.0%
+26.7% YoY+18.0% QoQ
|
-11.4% | 24.4% | 13.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.6% | 7.8% | 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)