BlastPoint's Credit Union Scorecard
PROVIDENT
Charter #66343 · CA
PROVIDENT has 7 strengths but faces 7 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
- + Credit Quality Leader: Top 12.8% in tier
- + Relationship Depth Leader: Top 65.2% in tier
- + Net Charge-Off Rate: Top 1.3% in tier
- + Total Delinquency Rate (60+ days): Top 2.6% in tier
- + Average Member Relationship (AMR): Top 5.3% in tier
- + Indirect Auto Concentration (%): Top 6.6% in tier
- + Loan-to-Member Ratio (LMR): Top 6.6% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 9.4% in tier
- - Credit Risk Growth: Bottom 24.8% in tier
- - Credit Quality Pressure: Bottom 24.8% in tier
- - ROA 0.29% below tier average
- - Efficiency ratio 12.77% above tier (higher cost structure)
- - First Mortgage Concentration (%): Bottom 1.3% in tier
- - Total Members: Bottom 5.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
135,577
+0.5% YoY+0.7% QoQ
|
-102.9K |
238,465
+0.6% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
Bottom 3.9% in tier |
| Assets |
$3.6B
+3.0% YoY+1.3% QoQ
|
$-354.0M |
$4.0B
-0.1% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
33% |
| Loans |
$2.8B
+5.8% YoY+1.9% QoQ
|
$-268.8M |
$3.0B
+3.3% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
30% |
| Deposits |
$3.2B
+2.7% YoY+1.2% QoQ
|
$-151.2M |
$3.3B
+1.1% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
38% |
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| ROA |
0.5%
+621.5% YoY+16.9% QoQ
|
-0.3% |
0.7%
+5.3% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
18% |
| NIM |
2.5%
+25.3% YoY+1.4% QoQ
|
-0.7% |
3.2%
+13.7% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
Bottom 11.8% in tier |
| Efficiency Ratio |
84.0%
-12.2% YoY-1.9% QoQ
|
+12.8% |
71.3%
-0.6% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Top 7.9% in tier |
| Delinquency Rate |
0.1%
+19.3% YoY+49.9% QoQ
|
-0.7 |
0.8%
+15.9% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
Bottom 2.6% in tier |
| Loan To Share |
86.4%
+3.0% YoY+0.7% QoQ
|
-4.4% |
90.8%
+2.0% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
29% |
| AMR |
$43,754
+3.7% YoY+0.9% QoQ
|
+$15K |
$29,088
+0.1% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
Top 6.6% in tier |
| CD Concentration |
33.2%
+0.4% YoY+1.1% QoQ
|
+4.3% |
29.0%
+0.7% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
71% |
| Indirect Auto % |
0.3%
-5.8% YoY-2.6% QoQ
|
-18.5% |
18.8%
-3.0% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
Bottom 13.9% in tier |
Signature Analysis
Strengths (2)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (3)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)