ARDENT
Charter #22637 · Phila, PA · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 34,159 sits at the 18th percentile of structural peers — worth a closer look.
- Return on average assets of 0.17% sits at the 5th percentile of structural peers — worth a closer look.
- Net interest margin of 2.45% sits at the 3rd percentile of structural peers — worth a closer look.
- Cost of funds of 2.38% sits at the 95th percentile of structural peers — worth a closer look.
- Efficiency ratio of 87.80% sits at the 92nd percentile of structural peers — worth a closer look.
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 | ARDENT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $931.32M | 90th pct | 46th pct |
| Members | 34,159 | 28th pct | 18th pct |
| Net worth ratio | 9.74% | 38th pct | 34th pct |
| Return on average assets | 0.17% | 14th pct | 5th pct |
| Net interest margin | 2.45% | 4th pct | 3th pct |
| Cost of funds | 2.38% | 92th pct | 95th pct |
| Loan-to-share | 74.16% | 31th pct | 30th pct |
| Delinquency 60+ days | 0.50% | 41th pct | 38th pct |
| Net charge-off ratio | 0.30% | 38th pct | 46th pct |
| Loan growth YoY | -0.06% | 39th pct | 28th pct |
| Share growth YoY | 8.37% | 93th pct | 90th pct |
| Efficiency ratio | 87.80% | 85th pct | 92th pct |
structural peer set hash: 42f765d7b409ea298b0692df0d4bb5fa… (reproducible)
Closest structural peers
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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.