Federal credit union · Phila, Pennsylvania · NCUA charter #22637
ARDENT
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $894.2M
- Total assets
- 34,703
- Members
- 9.7%
- Net-worth ratio
ARDENT scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $894.2M; members 34,703; net-worth ratio 9.74%; health rank #2,163 of 4,374; healthier than 50th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,163 of 4,374 health · 2025Q4ARDENT · health 84/100 · $894.2M · 2025Q4
Call Report peers
ARDENT in the assets neighbourhood
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ARDENT vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); ARDENT sits in 80-84 with 767 others.
84 Top 50% higher than 50% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
ARDENT vs Over $500M peers
- Strongest edge vs 749 Over $500M peers is Delinquency Rate: -0.35 pp (0.52% vs 0.87%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -6.39 pp (77.51% vs 83.90%).
ARDENT in Pennsylvania
- Health composite ranks #105 of 275 among scored Pennsylvania credit unions.
- Assets rank #19 of 275 inside Pennsylvania ($894.2M reported).
- Pennsylvania membership ordinal: #23 of 275.
- One place up in Pennsylvania, Stanwood Area (#104) ties at 84/100; one place down, HERSHEY (#106) ties at 84/100.
ARDENT: 2025Q4 → 2026Q1
ARDENT: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.1% from $894.2M (2025Q4) to $931.3M (2026Q1).
- Net-worth ratio shifted -0.14 pp (9.88% → 9.74%).
9.74% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 84/100 score is built
ARDENT gives up 16 points in total. Return on Assets costs the most, 10.1 of its 15; Loan-to-Share Ratio scores full marks.
- Net Worth Ratio 29.4 pts
- Delinquency Rate 24.8 pts
- Return on Assets 4.9 pts
- Member Growth 9.6 pts
- Loan-to-Share Ratio 15.3 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.74% | -1.44 pp |
| Delinquency Rate | 0.52% | -0.35 pp |
| Return on Assets | 0.01% | -0.50 pp |
| Member Growth | 0.54% | - |
| Loan-to-Share Ratio | 77.51% | -6.39 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $931.3M | - |
| 2025Q4 | $894.2M | 34,703 |
| 2024Q4 | $853.1M | 34,518 |
| 2023Q4 | $850.7M | 35,238 |
Credit Union Details
- Charter Number
- 22637
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Pennsylvania
- City
- Phila
- Data Quarter
- 2025Q4
Branch Locations (11)
The NCUA branch filing lists 11 physical offices for ARDENT, spread across 9 cities in 2 states.
| Office | City |
|---|---|
| Administrative Offices (Main Office) | Phila, PA |
| Blue Bell | Blue Bell, PA |
| Upper Providence | Collegeville, PA |
| On-Goings Ops | Hagerstown, MD |
| Havertown | Havertown, PA |
| King of Prussia | King of Prussia, PA |
| VA | Phila, PA |
| Center City | Philadelphia, PA |
| Spring Garden | Philadelphia, PA |
| Oaks | Phoenixville, PA |
| Wayne | Wayne, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
More federally-insured credit unions based in Pennsylvania, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Similar total assets
Similar health score
Using this data
- ARDENT ranks #2,163 of 4,374 nationally on financial health and #105 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Sun East is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Sun East
Frequently Asked Questions
Is ARDENT financially healthy?
ARDENT has a financial health score of 84/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,163 of 4,374 nationally on health and #105 of 275 in Pennsylvania. Its net worth ratio is 9.74% and its delinquency rate 0.52%.
How does ARDENT compare to other credit unions?
ARDENT scores 84/100, higher than 50% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is delinquency rate (0.52% vs 0.87%). Its widest shortfall is loan-to-share ratio (77.51% vs 83.90%).
How can I join ARDENT?
ARDENT operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact ARDENT directly for the exact boundaries and application steps.
Is my money safe at ARDENT?
ARDENT is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. ARDENT's net worth ratio of 9.74% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.