BlastPoint's Credit Union Scorecard
PROVIDENT
Charter #16364 · DE
PROVIDENT has 1 strength but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.17% above tier average
Key Concerns
Areas that may need attention
- - ROA 1.26% below tier average
- - Delinquency rate 0.20% above tier average
- - Member decline: -5.4% YoY
- - Net Charge-Off Rate: Bottom 5.0% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 9 that size in Delaware.
- Shares and deposits +0.2% year over year ($10.2M in shares and deposits).
- Membership: 1,559 members, -5.4% vs a year ago.
- Delinquency rate 1.75%.
- Return on assets 0.23%.
- Efficiency ratio 87.17% vs a 88.77% peer average.
- Loan-to-share ratio 50.38% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (DE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,559
-5.4% YoY-3.8% QoQ
|
-1.0K |
2,585
-1.7% YoY
|
17,843
+5.5% YoY
|
34,678
+6.6% YoY
|
42% |
| Assets |
$11.9M
+0.1% YoY-0.5% QoQ
|
$-18.3M |
$30.3M
+1.5% YoY
|
$212.9M
+9.3% YoY
|
$593.1M
+10.2% YoY
|
36% |
| Loans |
$5.2M
-1.1% YoY+1.9% QoQ
|
$-10.3M |
$15.5M
-1.7% YoY
|
$132.7M
+10.6% YoY
|
$418.6M
+10.1% YoY
|
35% |
| Deposits |
$10.2M
+0.2% YoY-0.9% QoQ
|
$-15.6M |
$25.8M
+1.1% YoY
|
$188.9M
+9.2% YoY
|
$504.8M
+10.3% YoY
|
37% |
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| ROA |
0.2%
-49.7% YoY-114.7% QoQ
|
-1.3% |
1.5%
+241.5% YoY
|
1.1%
-28.8% YoY
|
1.2%
+121.4% YoY
|
Bottom 14.4% in tier |
| NIM |
6.1%
-2.4% YoY+1.5% QoQ
|
+2.2% |
3.9%
+0.9% YoY
|
3.5%
+5.6% YoY
|
3.8%
+2.3% YoY
|
Top 3.3% in tier |
| Efficiency Ratio |
87.2%
+10.2% YoY-4.3% QoQ
|
-1.6% |
88.8%
-6.9% YoY
|
79.3%
-0.3% YoY
|
83.0%
-5.3% YoY
|
66% |
| Delinquency Rate |
1.7%
-51.8% YoY+127.6% QoQ
|
+0.2 |
1.5%
+2.1% YoY
|
2.3%
-27.7% YoY
|
1.3%
+2.6% YoY
|
75% |
| Loan To Share |
50.4%
-1.3% YoY+2.9% QoQ
|
-8.5% |
58.9%
-3.1% YoY
|
47.6%
-0.9% YoY
|
66.4%
-1.4% YoY
|
37% |
| AMR |
$9,882
+5.5% YoY+4.0% QoQ
|
$-5K |
$14,963
-6.8% YoY
|
$14,118
+1.5% YoY
|
$20,028
-0.9% YoY
|
27% |
| CD Concentration |
10.4%
-1.7% YoY-21.0% QoQ
|
-14.1% | 24.6% | 13.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 7.1% | 7.7% | 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)