BlastPoint's Credit Union Scorecard

ARDENT

Charter #22637 · PA

Community 750M-1B

Ardent at VentureTech 2026 · Fort Worth

YOU MADE THE SET.

Ardent is one of 101 credit unions in the 2026 VentureTech card set. We also found Ardent's biggest opportunity. Unlock it at the BlastPoint booth during expo hall hours, Mon Nov 16 and Tue Nov 17.

2026 CU
CARD SET
VENTURETECH EDITION
Ardent
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111 CUs in 750M-1B nationally 5 in PA
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ARDENT has 1 strength but faces 6 concerns

National Analysis

How does the industry compare?
Community Tier

What's your peer group doing?
PA Analysis

How does PA stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Average Member Relationship (AMR): Top 9.0% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 16.6% in tier
  • - ROA 0.62% below tier average
  • - Efficiency ratio 12.67% above tier (higher cost structure)
  • - Net Interest Margin (NIM): Bottom 6.3% in tier
  • - Asset Growth Rate: Bottom 6.3% in tier
  • - Share Certificate Concentration (%): Bottom 6.3% in tier
WORLD 1 · VENTURETECH

The real pack is waiting in Fort Worth

  1. 1 CLEAR Your card arrived By email from Collier at BlastPoint
  2. 2 YOU ARE HERE Open your pack Right here on your Scorecard
  3. 3 BOSS LEVEL Grab the real pack At the BlastPoint booth
  4. 4 BONUS ROUND Find a CU from your pack Meet up and you both enter to win a member intelligence report
ADMIT ONE · PLAYER 1
Your printed pack
Where
The BlastPoint booth, Omni Fort Worth
Expo hall
Mon Nov 16 and Tue Nov 17
Pick a time to meet

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Members 34,369
+0.1% YoY+0.6% QoQ
 -18.1K 52,482
+1.3% YoY
 18,280
+5.8% YoY
 34,678
+6.6% YoY
 Bottom 14.4% in tier
Assets $869.3M
-1.9% YoY-6.7% QoQ
 +$5.3M $863.9M
+0.5% YoY
 $308.6M
+9.9% YoY
 $593.1M
+10.2% YoY
 53%
Loans $567.6M
-1.0% YoY+0.4% QoQ
 $-40.2M $607.8M
+2.1% YoY
 $207.1M
+9.1% YoY
 $418.6M
+10.1% YoY
 34%
Deposits $746.0M
+5.0% YoY-2.2% QoQ
 +$6.1M $739.9M
+0.2% YoY
 $264.2M
+9.3% YoY
 $504.8M
+10.3% YoY
 55%

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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 0.2%
+29.3% YoY+32.3% QoQ
 -0.6% 0.8%
+30.4% YoY
 1.0%
+23.3% YoY
 1.2%
+121.4% YoY
 Bottom 8.1% in tier
NIM 2.6%
+11.5% YoY+7.7% QoQ
 -0.9% 3.5%
+6.2% YoY
 3.5%
+2.1% YoY
 3.8%
+2.3% YoY
 Bottom 5.4% in tier
Efficiency Ratio 87.2%
+1.0% YoY-0.7% QoQ
 +12.7% 74.5%
-1.4% YoY
 76.6%
-2.6% YoY
 83.0%
-5.3% YoY
 Bottom 8.1% in tier
Delinquency Rate 0.5%
-28.7% YoY+7.8% QoQ
 -0.3 0.8%
+1.0% YoY
 1.2%
-8.4% YoY
 1.3%
+2.6% YoY
 35%
Loan To Share 76.1%
-5.7% YoY+2.6% QoQ
 -6.5% 82.6%
+1.9% YoY
 53.4%
-2.0% YoY
 66.4%
-1.4% YoY
 27%
AMR $38,222
+2.2% YoY-1.7% QoQ
 +$10K $28,702
+0.4% YoY
 $16,967
+3.7% YoY
 $20,028
-0.9% YoY
 Top 9.9% in tier
CD Concentration 43.3%
+9.2% YoY+4.3% QoQ
 +18.7% 24.6% 15.6% 20.0% Top 4.3% in tier
Indirect Auto % 4.1%
-40.1% YoY-14.7% QoQ
 -9.5% 13.6% 8.4% 7.7% 44%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth
#226 of 262 • Top 63.4% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature
AMR Growth (YoY): 2.20%
(Tier: 3.97%, National: 35.20%)
but worse than tier avg
Share Draft per Member: $3.6K
(Tier: $2.9K, National: $2.1K)
better than tier avg
262 of 276 Community CUs have this signature | 354 nationally
↑ Growing +11 CUs YoY | Rank worsening

Concerns (1)

Efficiency Drag

risk
#17 of 531 • Bottom 16.6% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 87.21%
(Tier: 76.58%, National: 82.97%)
worse than tier avg
ROA Change (YoY): 0.05% points
(Tier: 0.10% points, National: 0.47% points)
worse than tier avg
Member Growth (YoY): 0.09%
(Tier: 0.46%, National: 15.67%)
worse than tier avg
608 nationally
↓ Shrinking -37 CUs YoY | Rank improving

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)

Comparing against 111 peers in tier

Top Strengths (2 metrics)

11
Average Member Relationship (AMR)
engagement
Value: $38,222
Peer Median: $26,161
#11 of 111 Top 9.0% in 750M-1B tier
17
Loan-to-Member Ratio (LMR)
engagement
Value: $16,515
Peer Median: $11,611
#17 of 111 Top 14.4% in 750M-1B tier

Top Weaknesses (7 metrics)

105
Net Interest Margin (NIM)
profitability
Value: 2.58%
Peer Median: 3.51%
#105 of 111 Bottom 6.3% in 750M-1B tier
105
Asset Growth Rate
growth
Value: -1.94%
Peer Median: 4.77%
#105 of 111 Bottom 6.3% in 750M-1B tier
105
Share Certificate Concentration (%)
balance_sheet
Value: 43.28%
Peer Median: 27.05%
#105 of 111 Bottom 6.3% in 750M-1B tier
103
Efficiency Ratio
profitability
Value: 87.21%
Peer Median: 75.82%
#103 of 111 Bottom 8.1% in 750M-1B tier
102
Return on Assets (ROA)
profitability
Value: 0.22%
Peer Median: 0.81%
#102 of 111 Bottom 9.0% in 750M-1B tier
95
Total Members
engagement
Value: 34,369
Peer Median: 52,842
#95 of 111 Bottom 15.3% in 750M-1B tier
89
Loan Growth Rate
growth
Value: -1.01%
Peer Median: 3.68%
#89 of 111 Bottom 20.7% in 750M-1B tier
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