Ardent

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets

$894.2M

93^th percentile

Members

34,703

64^th percentile

Total loans

$561.4M

86^th percentile

Total shares

$724.3M

92^th percentile

Profitability

Return on assets

0.05%

6^th percentile

Net interest margin

2.39%

5^th percentile

Efficiency ratio

52.80%

74^th percentile

Non-interest income ratio

15.79%

31^th percentile

Capital & Risk

Net worth ratio

9.72%

30^th percentile

Delinquency rate

0.52%

68^th percentile

Net charge-off rate

0.44%

47^th percentile

Loan-to-share

77.51%

41^th percentile

Growth

Member growth YoY

0.54%

50^th percentile

Asset growth YoY

4.82%

47^th percentile

Loan growth YoY

-3.03%

14^th percentile

Share growth YoY

6.26%

64^th percentile

Operations

Members / branch

3,155

20^th percentile

Assets / member

$25,769

92^th percentile

Field of membership penetration

0.85%

12^th percentile

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