PROVIDENT
Charter #16364 · DOVER, DE · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,621 sits at the 20th percentile of structural peers — worth a closer look.
- Return on average assets of -1.57% sits at the 0th percentile of structural peers — worth a closer look.
- Net interest margin of 5.98% ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 3.45% sits at the 97th percentile of structural peers — worth a closer look.
- On Cost of funds, the asset-size band puts this credit union at the 39th percentile but its structural peers at the 64th — a 25-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | PROVIDENT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $11.99M | 9th pct | 5th pct |
| Members | 1,621 | 29th pct | 20th pct |
| Net worth ratio | 13.72% | 51th pct | 48th pct |
| Return on average assets | -1.57% | 4th pct | 0th pct |
| Net interest margin | 5.98% | 99th pct | 98th pct |
| Cost of funds | 0.60% | 39th pct | 64th pct |
| Loan-to-share | 48.97% | 35th pct | 52th pct |
| Delinquency 60+ days | 0.77% | 59th pct | 54th pct |
| Net charge-off ratio | 3.45% | 98th pct | 97th pct |
| Loan growth YoY | -4.26% | 36th pct | 36th pct |
| Share growth YoY | 3.04% | 56th pct | 61th pct |
| Efficiency ratio | 91.14% | 75th pct | 69th pct |
structural peer set hash: 3d3e208ab6c2a87712ff3406e1dd3d6b… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.