BlastPoint's Credit Union Scorecard
ARDENT
Charter #22637 · PA
ARDENT has 3 strengths but faces 5 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 95.1% in tier
- + Organic Growth Leader: Top 98.6% in tier
- + Organic Growth Engine: Top 99.3% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 22.2% in tier
- - ROA 0.53% below tier average
- - Efficiency ratio 12.02% above tier (higher cost structure)
- - Share Certificate Concentration (%): Bottom 6.0% in tier
- - Net Interest Margin (NIM): Bottom 7.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
34,703
+0.5% YoY+1.4% QoQ
|
-17.4K |
52,084
-1.6% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
17% |
| Assets |
$894.2M
+4.8% YoY+2.6% QoQ
|
+$30.4M |
$863.9M
+0.5% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
61% |
| Loans |
$561.4M
-3.0% YoY-0.8% QoQ
|
$-44.5M |
$605.8M
+1.4% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
28% |
| Deposits |
$724.3M
+6.3% YoY+2.9% QoQ
|
$-13.0M |
$737.3M
+0.1% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
47% |
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| ROA |
0.2%
+2123.1% YoY+6.5% QoQ
|
-0.5% |
0.7%
+39.1% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
15% |
| NIM |
2.4%
+6.8% YoY+0.4% QoQ
|
-1.0% |
3.4%
+8.7% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
Bottom 6.8% in tier |
| Efficiency Ratio |
86.4%
-4.6% YoY+0.3% QoQ
|
+12.0% |
74.3%
-3.6% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
Top 10.3% in tier |
| Delinquency Rate |
0.5%
-5.4% YoY-25.5% QoQ
|
-0.4 |
0.9%
+3.8% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
27% |
| Loan To Share |
77.5%
-8.7% YoY-3.6% QoQ
|
-5.1% |
82.6%
+1.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
26% |
| AMR |
$37,047
+1.4% YoY-0.2% QoQ
|
+$8K |
$28,873
+2.7% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
Top 13.7% in tier |
| CD Concentration |
42.9%
+10.2% YoY-0.8% QoQ
|
+18.4% | 24.4% | 15.5% | 19.8% | Top 4.4% in tier |
| Indirect Auto % |
5.5%
-33.0% YoY-10.9% QoQ
|
-8.3% | 13.8% | 8.1% | 7.8% | 45% |
Signature Analysis
Strengths (3)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
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)