Provident

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets

$12.0M

46^th percentile

Members

1,642

56^th percentile

Total loans

$5.4M

46^th percentile

Total shares

$10.3M

48^th percentile

Profitability

Return on assets

1.38%

75^th percentile

Net interest margin

6.27%

96^th percentile

Efficiency ratio

77.24%

29^th percentile

Non-interest income ratio

15.72%

71^th percentile

Capital & Risk

Net worth ratio

14.13%

45^th percentile

Delinquency rate

2.06%

24^th percentile

Net charge-off rate

2.28%

5^th percentile

Loan-to-share

52.12%

38^th percentile

Growth

Member growth YoY

-0.79%

57^th percentile

Asset growth YoY

0.73%

47^th percentile

Loan growth YoY

4.16%

77^th percentile

Share growth YoY

0.58%

50^th percentile

Operations

Members / branch

1,642

69^th percentile

Assets / member

$7,296

33^th percentile

Field of membership penetration

46.91%

62^th percentile

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