BlastPoint's Credit Union Scorecard
PROVIDENT
Charter #66343 · CA
PROVIDENT has 8 strengths but faces 6 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 85.9% in tier
- + Organic Growth Engine: Top 91.1% in tier
- + Organic Growth Leader: Top 97.9% in tier
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Net Charge-Off Rate: Top 1.3% in tier
- + Average Member Relationship (AMR): Top 5.3% in tier
- + Loan-to-Member Ratio (LMR): Top 5.3% in tier
- + Indirect Auto Concentration (%): Top 6.6% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 43.8% in tier
- - Flatlined Growth: Bottom 100.0% in tier
- - ROA 0.24% below tier average
- - Efficiency ratio 12.04% above tier (higher cost structure)
- - First Mortgage Concentration (%): Bottom 1.3% in tier
- - Total Members: Bottom 7.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
135,870
+0.6% YoY+0.2% QoQ
|
-94.5K |
230,353
-2.9% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
Bottom 6.6% in tier |
| Assets |
$3.6B
+1.9% YoY-0.0% QoQ
|
$-325.8M |
$3.9B
+0.3% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
36% |
| Loans |
$2.8B
+5.8% YoY+0.7% QoQ
|
$-165.0M |
$2.9B
-0.2% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
36% |
| Deposits |
$3.2B
+1.4% YoY-0.1% QoQ
|
$-133.5M |
$3.3B
-0.3% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
37% |
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| ROA |
0.5%
+402.0% YoY+4.9% QoQ
|
-0.2% |
0.7%
+16.8% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
25% |
| NIM |
2.5%
+23.0% YoY+0.8% QoQ
|
-0.6% |
3.1%
+9.8% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
Bottom 14.5% in tier |
| Efficiency Ratio |
83.4%
-11.6% YoY-0.7% QoQ
|
+12.0% |
71.4%
-1.4% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
Top 11.8% in tier |
| Delinquency Rate |
0.1%
-28.7% YoY-9.6% QoQ
|
-0.8 |
0.9%
+5.8% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
87.2%
+4.4% YoY+0.9% QoQ
|
-1.7% |
88.9%
-0.2% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
36% |
| AMR |
$43,773
+2.8% YoY+0.0% QoQ
|
+$14K |
$29,682
+1.5% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
Top 6.6% in tier |
| CD Concentration |
32.7%
-1.5% YoY-1.7% QoQ
|
+3.6% | 29.0% | 21.7% | 19.8% | 68% |
| Indirect Auto % |
0.3%
-3.1% YoY+0.6% QoQ
|
-18.0% | 18.3% | 9.2% | 7.8% | Bottom 14.1% in tier |
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 Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (2)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
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)