BlastPoint's Credit Union Scorecard
ARDENT
Charter #22637 · PA
ARDENT has 2 strengths but faces 6 concerns
How does the industry compare?
What's your peer group doing?
How does PA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 63.4% in tier
- + 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
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 111 credit unions with $750M-$1B in assets nationally, and 1 of 5 that size in Pennsylvania.
- Shares and deposits +5.0% year over year ($746M in shares and deposits).
- Membership: 34,369 members, +0.1% vs a year ago.
- Delinquency rate 0.53%.
- Return on assets 0.22%.
- Efficiency ratio 87.21% vs a 74.54% peer average.
- Loan-to-share ratio 76.09% vs a 82.60% 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 (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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| 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
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (1)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)