BlastPoint's Credit Union Scorecard
ARDENT
Charter #22637 · PA
ARDENT has 2 strengths but faces 8 concerns
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How does PA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 58.3% in tier
- + Average Member Relationship (AMR): Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Institutional Decline: Bottom 2.2% in tier
- - Efficiency Drag: Bottom 19.8% in tier
- - Stagnation Risk: Bottom 60.2% in tier
- - Membership Headwinds: Bottom 60.2% in tier
- - ROA 0.60% below tier average
- - Efficiency ratio 12.26% above tier (higher cost structure)
- - Net Interest Margin (NIM): Bottom 3.4% in tier
- - Share Certificate Concentration (%): Bottom 6.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
34,159
-0.7% YoY-1.6% QoQ
|
-17.3K |
51,500
+0.7% YoY
|
18,228
+6.1% YoY
|
33,913
+5.7% YoY
|
Bottom 14.5% in tier |
| Assets |
$931.3M
+3.4% YoY+4.1% QoQ
|
+$65.7M |
$865.6M
+0.9% YoY
|
$307.3M
+11.2% YoY
|
$578.3M
+9.0% YoY
|
75% |
| Loans |
$565.5M
-2.1% YoY+0.7% QoQ
|
$-29.7M |
$595.3M
+1.6% YoY
|
$202.4M
+9.8% YoY
|
$402.4M
+8.7% YoY
|
36% |
| Deposits |
$762.6M
+5.1% YoY+5.3% QoQ
|
+$20.5M |
$742.2M
+0.6% YoY
|
$264.3M
+10.7% YoY
|
$494.3M
+9.1% YoY
|
65% |
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| ROA |
0.2%
-24.9% YoY-22.3% QoQ
|
-0.6% |
0.8%
+45.0% YoY
|
0.8%
+3.2% YoY
|
0.4%
-39.2% YoY
|
Bottom 10.3% in tier |
| NIM |
2.4%
+8.4% YoY-0.7% QoQ
|
-1.1% |
3.5%
+6.1% YoY
|
3.5%
+3.1% YoY
|
3.8%
+4.1% YoY
|
Bottom 2.6% in tier |
| Efficiency Ratio |
87.8%
+4.7% YoY+1.7% QoQ
|
+12.3% |
75.5%
-3.4% YoY
|
78.0%
-8.8% YoY
|
84.6%
+2.8% YoY
|
Bottom 13.7% in tier |
| Delinquency Rate |
0.5%
-36.5% YoY-5.6% QoQ
|
-0.2 |
0.7%
-0.1% YoY
|
1.2%
-7.0% YoY
|
1.2%
+3.4% YoY
|
43% |
| Loan To Share |
74.2%
-6.8% YoY-4.3% QoQ
|
-6.5% |
80.6%
+0.7% YoY
|
52.5%
-2.7% YoY
|
65.6%
-1.4% YoY
|
26% |
| AMR |
$38,882
+2.7% YoY+5.0% QoQ
|
+$10K |
$28,908
+0.7% YoY
|
$16,757
+3.3% YoY
|
$19,920
+1.6% YoY
|
Top 10.3% in tier |
| CD Concentration |
41.5%
+9.8% YoY-3.2% QoQ
|
+17.2% | 24.3% | 15.4% | 19.8% | Top 5.6% in tier |
| Indirect Auto % |
4.8%
-35.8% YoY-13.1% QoQ
|
-9.0% | 13.8% | 8.3% | 7.7% | 45% |
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 (4)
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.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)