# PROVIDENT
DOVER, DE · NCUA charter 16364 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/provident-16364

Who the members are: federal charter, multiple common bond, organized 1964. 1,621 members of 3,500 potential (46.3% of the field); checking penetration 24% (share draft accounts per 100 members); loans per 100 members 64.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $12.0M |
| Members | 1,621 (-2.3% YoY) |
| Full-time staff | 4 |
| Net worth | $1.6M |
| Net worth ratio | 13.7% (p43 of band) |
| ROA (annualized) | -1.57% (p7 of band) |
| Total delinquency | 0.77% (p55 of band) |
| Net charge-offs (annualized) | 3.55% (p96 of band) |
| Loans / shares | 49% (p37 of band) |
| Cash / assets | 55.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.98% (p95 of band) |
| Operating expense / assets | 6.52% (p92 of band) |
| Vehicles % of loans | 55% (p41 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 1.15% (p67 of band) |
| Vehicle NCO | 2.91% (p95 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 1% |
| Credit cards % of loans | 7% |
| Unsecured % of loans | 40% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 80% |
| Certificates % of member funds | 13% |
| Average share balance | $4,642 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 64% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $4,865 |
| Loans granted, annualized | $1.3M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **charge-offs p90** (`aq_nco_high`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | losing money |  |
| 2016-06 | 2 | expense trap |  |
| 2016-09 | 3 | charge-offs p90 |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 2 | net worth falling, delinquency rising | losing money, expense trap, charge-offs p90 |
| 2017-06 | 2 | losing money, expense trap | net worth falling, delinquency rising |
| 2017-09 | 2 |  |  |
| 2017-12 | 1 |  | losing money |
| 2018-03 | 1 | net worth falling | expense trap |
| 2018-06 | 0 |  | net worth falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 4 | losing money, expense trap, delinquency 2x band, delinquency rising |  |
| 2019-03 | 2 | net worth falling, charge-offs p90 | losing money, expense trap, delinquency 2x band, delinquency rising |
| 2019-06 | 2 |  |  |
| 2019-09 | 1 |  | net worth falling |
| 2019-12 | 2 | expense trap |  |
| 2020-03 | 0 |  | charge-offs p90, expense trap |
| 2020-06 | 2 | net worth falling, delinquency rising |  |
| 2020-09 | 2 | margin squeeze | delinquency rising |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | losing money |  |
| 2021-06 | 3 | delinquency 2x band, delinquency rising | net worth falling, losing money |
| 2021-09 | 2 |  | margin squeeze |
| 2021-12 | 1 | charge-offs p90 | delinquency 2x band, delinquency rising |
| 2022-03 | 3 | losing money, expense trap |  |
| 2022-06 | 2 | net worth falling | losing money, expense trap |
| 2022-09 | 0 |  | charge-offs p90, net worth falling |
| 2022-12 | 1 | charge-offs p90 |  |
| 2023-03 | 3 | expense trap, delinquency 2x band, delinquency rising | charge-offs p90 |
| 2023-06 | 3 | charge-offs p90 | expense trap |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 | assets shrinking | charge-offs p90 |
| 2024-03 | 4 | expense trap |  |
| 2024-06 | 4 | charge-offs p90 | delinquency rising |
| 2024-09 | 4 |  |  |
| 2024-12 | 1 |  | delinquency 2x band, assets shrinking, expense trap |
| 2025-03 | 2 | expense trap, delinquency 2x band | charge-offs p90 |
| 2025-06 | 1 |  | expense trap |
| 2025-09 | 3 | expense trap, charge-offs p90 |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 4 | net worth falling, losing money | delinquency 2x band |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-05 [Best Credit Union Bonus Promotions (September 2026) - Best Wallet Hacks](https://news.google.com/rss/articles/CBMia0FVX3lxTFA2QXB2VnhxSnB0eVBNTEc5LUphV2s2Z2FNVVJGVHJWWWZXeGJnUzFWQ0I3dlJjQnd4WDVUOFUzZVRVbGJlMkh6aVBqZWJ4MEpoM2NaZHFTVEhra0xJVkdpOE0zMnJjUFI3aFpr?oc=5) · Best Wallet Hacks
- 2025-06-18 [Notre Dame de Namur University Launches Rainy Day Savings Pilot Program in Partnership with Provident Credit Union - Notre Dame de Namur University](https://news.google.com/rss/articles/CBMiqwFBVV95cUxONGdJVEJJWlRMTWlaZVF5WlFwV19oN3N1cnhNdzZPcnRsakhPeGxfYlhWQzNxQURRNHQ3Tm1WbnRTdkg5NU9FTUxuTmhJUmNkSjBRdXc2SGZ4SVdRRmRxaVJpWWxXQU0weFZ0b1NTb0M1bmE5ckZZc05lU0Q3ZHpibi0zU2czdnpBWXoxYUltd0Exd0FKR1Q2Ty1yV1VSU0tBTUs4VFpDMHh3eWM?oc=5) · Notre Dame de Namur University
- 2026-01-06 [Nomination Press Release - NBC Sports Bay Area & California](https://news.google.com/rss/articles/CBMinAFBVV95cUxPYmd0RGlMeUdSYjBvb0wxSzZYY3pTclhRcTNzeVBhZDh1SDhQNjlkcHM2V2hKZlQtMFFDZXhzcTRhUzFxNWdzaS1mMmFRLU1rX0FCRXYwSlpnbnRGTG9lVUJ3d0ZTWTdlU0F1R09YLVVHTG9hQ0Rsc3puWTZvTnFBb2JXaWx2MTJPb2VMRDN6YnVIR2NvaVhWYVpOd0HSAaQBQVVfeXFMUHh3RFJFcVNBWkxpOXVnbHNUb3BybTk3TmZsY0RzNjcxWGZja2l5Z2IxMnBLaTJYdzc3b09oYTI3Zl94YmtZRkRjZGVyZWQzYkkxb1hmNGVQOVR3aDJoUlNSR00xZ0ZKS1NTblFuUGJjLVp6Z2s3TVVtRTRJSnhYRUo4RlN0SWJMMklQenFvVVFEbUppcGdZVzdxekJuYjVMc3ZXeW0?oc=5) · NBC Sports Bay Area &amp; California
- 2021-08-18 [USF Extends Partnership with Provident Credit Union - University of San Francisco Athletics](https://news.google.com/rss/articles/CBMimgFBVV95cUxOUHZ2UHdoRnNjaC1WMUU4a3phY0RkM1JyZnBLWW9LeHpBWlJoUW9fNnQ5cmpxeVBsenlUOC1GQ2J1UHVyUEkzVHM5cmJ0V2hYeXJRUVBoRUtPZUZ0aDlYSDVzd25ndEQ2al9nbmliODc1cGtiTGs5M01XWUxMQ2JhclNJVE5OMjZiZ0xyZ2NMWjZDVmUwSmY5Y29R?oc=5) · University of San Francisco Athletics
- 2025-12-30 [Aztecs Basketball Preview: San Jose State hosts SDSU - East Village Times](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOMm1iUmRSSmFJR3N1YkN0SDVIWHhDZHRBZ1ZUa3o1cDZGVnFqZzVXZ3pMdDJRY0lsN1FQakZHZnRwblNMeG5vWnMwc25Hb1NyWE9xdFRUZVNqMXE2dkdGNkQ5MUN6a1NXTnBHVldlWTJDaGg1ZjBiNzI1a0Q0cUNJbFVsbDhLOEFk?oc=5) · East Village Times
- 2026-06-11 [Final Ceremony Press Release - NBC Sports Bay Area & California](https://news.google.com/rss/articles/CBMingFBVV95cUxQUWFnMDdldEFoRkJCOTNfVkFDcGJDbVl3RENTa3gwS0k2N1R5QzNwVzJYby1wbkVydWxtY3llUWlKdUlLcEN1M2prME9FbVNZd3ZUTU9QTEhSZUNVMDJGakc0NjJFZ0cxSzF3NXh0RTR2Y1dCeDgxWldzenFKZWtReVlLWnFvZkgwTlI3enItTEpmSkM0eGEzeGxnSE1PUdIBpgFBVV95cUxPUkwtdEtUY3JKREVxYS0taU15MEtlZElkQnRqTVdhSTQzampEOFBDdGpQODlsbHRyaTdaajh4LWlkdEdCOU9tR1VvWDZ6TE9yV3VCcEFnT1lOTVh1OWhtVlRnSG9ZQUI0aExrUi1LWWh1WEhWSWt2NXdxWHctUjRrbFRkWDhjX3k4LTZRQ1FPSnRwSkJ1NVlEWE1jX0FUSUpNak5XSDl3?oc=5) · NBC Sports Bay Area &amp; California
- 2025-04-04 [Provident Bank creates new role to drive customer experience - American Banker](https://news.google.com/rss/articles/CBMirgFBVV95cUxNWEVhR3NZRzBPdWtuUm1sTlI5TlVsT1lvVDlIczRDV0t0cnI5MFg1UWMwSEgwclhTbWh0NF9FYVNxQ2RVR3Q0MHpha05TTk5yZzRraUhXbnBnY1E1UWZwZnI0M1dpYVhJOFc0aWdhQWNncmlEbjF2V0lYeDEwVVp3N1VyX2tlQ0VCNmE0QzRkd21jNERNTGVfMGVaZ0ctZHdCejRCMzU5aXVrN1hJcHc?oc=5) · American Banker
- 2025-04-08 [Best Banks and Credit Unions in New Jersey 2024 - Newsweek Rankings](https://news.google.com/rss/articles/CBMikgFBVV95cUxOVVAzOWJ2YWxhNEgxMjJaYXg0Zzhld0YtaXpkWS0wVUk5STdDRFdWc3FWelRKMDNGamJJVThoSkpoUG5Jb2drb3pFVy1DZFRCaWJjZE1ZbmhMUVhrTlZ4bnNFZ1FtZXpBRnhjelhoQzR3S3FXNTZFQjNEQnY0QnBxb3hhWks2dEdmQkw4b3ZGR1BoZw?oc=5) · Newsweek Rankings

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=16364 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/44.json (key "16364", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=16364
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide