BlastPoint's Credit Union Scorecard
PROVIDENT
Charter #66343 · CA
PROVIDENT has 6 strengths but faces 5 concerns
How does the industry compare?
What's your peer group doing?
How does CA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 50.0% in tier
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Net Charge-Off Rate: Top 3.9% in tier
- + Loan-to-Member Ratio (LMR): Top 5.2% in tier
- + Average Member Relationship (AMR): Top 6.5% in tier
- + Indirect Auto Concentration (%): Top 9.1% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 42.7% in tier
- - ROA 0.29% below tier average
- - Efficiency ratio 10.14% above tier (higher cost structure)
- - First Mortgage Concentration (%): Bottom 1.3% in tier
- - Total Members: Bottom 9.1% 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 77 credit unions with $3B-$5B in assets nationally, and 1 of 11 that size in California.
- Shares and deposits +0.0% year over year ($3.14B in shares and deposits).
- Membership: 134,059 members, -0.5% vs a year ago.
- Delinquency rate 0.07%.
- Return on assets 0.65%.
- Efficiency ratio 79.60% vs a 69.45% peer average.
- Loan-to-share ratio 90.80% vs a 90.24% 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 (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
134,059
-0.5% YoY-0.9% QoQ
|
-82.5K |
216,545
-9.5% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
Bottom 7.8% in tier |
| Assets |
$3.6B
+0.5% YoY-1.0% QoQ
|
$-313.1M |
$3.9B
-1.6% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
36% |
| Loans |
$2.9B
+5.8% YoY+2.0% QoQ
|
$-76.4M |
$2.9B
-1.2% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
44% |
| Deposits |
$3.1B
+0.0% YoY-1.5% QoQ
|
$-113.4M |
$3.3B
-2.6% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
42% |
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| ROA |
0.6%
+67.5% YoY+2.3% QoQ
|
-0.3% |
0.9%
+25.3% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
21% |
| NIM |
2.8%
+13.0% YoY+0.7% QoQ
|
-0.5% |
3.2%
+3.8% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
16% |
| Efficiency Ratio |
79.6%
-7.1% YoY+0.1% QoQ
|
+10.1% |
69.5%
-2.3% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
Bottom 13.0% in tier |
| Delinquency Rate |
0.1%
-21.0% YoY-12.3% QoQ
|
-0.8 |
0.8%
+5.5% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
90.8%
+5.8% YoY+3.6% QoQ
|
+0.6% |
90.2%
+0.9% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
40% |
| AMR |
$44,746
+3.2% YoY+1.0% QoQ
|
+$14K |
$31,018
+6.9% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
Top 7.8% in tier |
| CD Concentration |
32.9%
+0.1% YoY+2.7% QoQ
|
+3.8% | 29.1% | 22.2% | 20.0% | 68% |
| Indirect Auto % |
0.3%
-8.0% YoY-4.1% QoQ
|
-17.8% | 18.1% | 9.2% | 7.7% | Top 13.6% in tier |
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)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)