Sep, 30, 2025 — ARDENT FEDERAL CREDIT UNION is a federal credit union headquartered in PHILA, PA with 10 branch locations and about $871.66 million in total assets. Opened 49 years ago in 1977, ARDENT FEDERAL CREDIT UNION has about 34,213 members and employs 111 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | ARDENT FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 1601 Cherry St PHILA, PA 19102-1320 |
| Phone: | (215) 569-3700 |
| Fax: | (215) 751-9872 |
| Website: | https://www.ardentcu.org |
| Branches: | 10 branch locations |
| Members: | 34,213 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 22637 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1977 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $871,659,169 |
| CEO/Manager: | Robert Werner |
| Chairperson: | Gloria Wilson |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 96,775,206 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 399,613,907 |
| Unsecured Loans | 56,475,697 |
| Other Loans | 109,783,323 |
| TOTAL LOANS | 565,872,927 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -3,991,657 |
| Land And Building | 5,081,600 |
| Other Fixed Assets | 6,953,212 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 6,126,375 |
| All Other Assets | 0 |
| TOTAL ASSETS | 871,659,169 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 75,000,000 |
| Accounts Payable & Other Liabilities | 14,175,434 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 111,505,751 |
| Regular shares | 210,300,542 |
| All Other Shares & Deposits | 381,918,480 |
| TOTAL SHARES & DEPOSITS | 703,724,773 |
| TOTAL LIABILITIES | 792,900,207 |
| Regular Reserve | 0 |
| Other Reserves | -7,600,710 |
| Undivided Earnings | 86,359,672 |
| TOTAL EQUITY | 78,758,962 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 871,659,169 |
| INCOME & EXPENSE | |
| Loan Income | 23,693,954 |
| Investment Income | 5,842,124 |
| Other Income | 2,023,787 |
| Total Employee Compensation & Benefits | 9,191,311 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 9,342,182 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 1,655,000 |
| Cost of Funds | 13,659,042 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 1,331,232 |
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