Provident Credit Union
Total assets
$3.63B
▲ +0.7% YoY
Shares & deposits
$3.19B
▲ +0.2% YoY
Loans
$2.80B
▲ +5.4% YoY
Members
135,247
▼ -0.3% YoY
ROA (annualized)
0.63%
peers 0.71%
ROE (annualized)
5.95%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | Provident Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.7% | +5.1% | -4.4 pts |
| Share growth (YoY) | +0.2% | +4.9% | -4.6 pts |
| Loan growth (YoY) | +5.4% | +5.4% | -0.0 pts |
| ROA | 0.63% | 0.71% | -0.1 pts |
| ROE | 6.0% | 6.3% | -0.3 pts |
ROA ranks in the 44th percentile of its peer group · Q1 2026
Profile
- Established
- 1950
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 303 Twin Dolphin Drive, Redwood City, CA, 94065
- NCUA charter #
- 66343
- RSSD ID
- 629090
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.63B | $3.19B | $2.80B | $383.9M | $5.7M | 0.63% | 2.75% | 0.08% | 135,247 |
| Q4 2025 | $3.62B | $3.18B | $2.77B | $378.2M | $17.1M | 0.47% | 2.50% | 0.12% | 135,870 |
| Q3 2025 | $3.62B | $3.18B | $2.75B | $373.9M | $12.1M | 0.45% | 2.47% | 0.13% | 135,577 |
| Q2 2025 | $3.57B | $3.14B | $2.70B | $368.6M | $6.9M | 0.39% | 2.46% | 0.09% | 134,675 |
| Q1 2025 | $3.60B | $3.18B | $2.65B | $364.4M | $2.7M | 0.30% | 2.37% | 0.16% | 135,609 |
| Q4 2024 | $3.55B | $3.13B | $2.62B | $363.6M | $3.3M | 0.09% | 2.02% | 0.17% | 135,100 |
| Q3 2024 | $3.51B | $3.10B | $2.60B | $360.7M | $1.6M | 0.06% | 1.98% | 0.11% | 134,964 |
| Q2 2024 | $3.51B | $3.11B | $2.61B | $359.9M | $809K | 0.05% | 1.94% | 0.05% | 134,168 |
Loan mix (Q1 2026): real estate $2.15B · commercial $296.3M · consumer $338.4M · securities $429.8M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Provident Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.63% | 0.71% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 6.0% | 6.3% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.75% | 3.32% | 16th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.5% | 73.0% | 75th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Provident Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Provident Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Provident Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Provident Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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