Provident
Dover, DE · Charter 16364 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$11.9MAssets
$5.2MLoans
$10.2MShares
$1.7MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 98% of credit unions under $1B in assets (rank 35 of 1683).
- Widest gap: return on equity trails 92% of credit unions under $1B in assets (rank 1539 of 1681).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
-0.23%
Rank 1,544 of 1,683
Net Interest Margin
6.09%
Rank 35 of 1,683
Efficiency Ratio
87.19%
Rank 1,272 of 1,682
Equity / Assets
14.07%
Rank 664 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.23% | 0.35% | 0.74% | 1.18% | Beats 8% | 1,544 / 1,683 | |
| Return on Equity | -1.67% | 2.67% | 5.89% | 8.74% | Beats 8% | 1,539 / 1,681 | |
| Net Interest Margin | 6.09% | 3.31% | 3.82% | 4.32% | Beats 98% | 35 / 1,683 | |
| Efficiency Ratio | 87.19% | 68.91% | 78.20% | 86.93% | Beats 24% | 1,272 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.74% | 0.26% | 0.65% | 1.29% | Beats 17% | 1,398 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.07% | 10.44% | 12.89% | 16.53% | Beats 61% | 664 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 14.07% | 10.44% | 12.89% | 16.53% | Beats 61% | 664 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 50.38% | 52.61% | 69.38% | 83.50% | 22nd pctl | 1,315 / 1,683 | |
| Loans / Assets | 43.26% | 44.71% | 59.18% | 70.72% | 24th pctl | 1,287 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |