BlastPoint's Credit Union Scorecard
ARDENT
Charter #22637 · PA
ARDENT has 1 strength but faces 9 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 82.4% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 13.7% in tier
- - Institutional Decline: Bottom 15.6% in tier
- - Credit Quality Pressure: Bottom 17.5% in tier
- - Membership Headwinds: Bottom 23.5% in tier
- - Stagnation Risk: Bottom 25.3% in tier
- - ROA 0.51% below tier average
- - Efficiency ratio 11.60% above tier (higher cost structure)
- - Share Certificate Concentration (%): Bottom 6.2% in tier
- - Net Interest Margin (NIM): Bottom 7.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
34,213
-1.5% YoY-0.4% QoQ
|
-17.9K |
52,114
-2.1% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
15% |
| Assets |
$871.7M
+3.3% YoY-1.7% QoQ
|
+$12.7M |
$859.0M
+0.0% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
54% |
| Loans |
$565.9M
-3.7% YoY-1.3% QoQ
|
$-37.5M |
$603.4M
+1.0% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
31% |
| Deposits |
$703.7M
+4.9% YoY-1.0% QoQ
|
$-30.4M |
$734.2M
+0.9% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% 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%
-604.6% YoY+18.1% QoQ
|
-0.5% |
0.7%
+27.6% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
17% |
| NIM |
2.4%
+7.2% YoY+3.9% QoQ
|
-1.0% |
3.4%
+9.6% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
Bottom 6.2% in tier |
| Efficiency Ratio |
86.1%
-7.2% YoY-0.3% QoQ
|
+11.6% |
74.5%
-3.2% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
Top 11.6% in tier |
| Delinquency Rate |
0.7%
+24.4% YoY-6.0% QoQ
|
-0.1 |
0.8%
+5.0% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
53% |
| Loan To Share |
80.4%
-8.2% YoY-0.3% QoQ
|
-2.3% |
82.7%
+0.1% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
32% |
| AMR |
$37,109
+2.4% YoY-0.8% QoQ
|
+$8K |
$28,651
+2.5% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
Top 14.3% in tier |
| CD Concentration |
43.2%
+44.7% YoY+9.1% QoQ
|
+18.8% |
24.4%
+4.2% YoY
|
15.5%
+9.2% YoY
|
19.6%
+6.2% YoY
|
Top 4.0% in tier |
| Indirect Auto % |
6.2%
-30.4% YoY-9.2% QoQ
|
-7.8% |
14.0%
-5.7% YoY
|
8.0%
+2.0% YoY
|
7.9%
-2.9% YoY
|
47% |
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 (5)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
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)