# PROVIDENT
REDWOOD CITY, CA · NCUA charter 66343 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/provident-66343

Who the members are: state charter, organized 1950. 135,247 members of 1,000,000 potential (13.5% of the field); checking penetration 70% (share draft accounts per 100 members); loans per 100 members 36.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $3.63B |
| Members | 135,247 (-0.3% YoY) |
| Full-time staff | 315 |
| Net worth | $383.9M |
| Net worth ratio | 10.6% (p47 of band) |
| ROA (annualized) | 0.63% (p44 of band) |
| Total delinquency | 0.08% (p2 of band) |
| Net charge-offs (annualized) | 0.12% (p8 of band) |
| Loans / shares | 88% (p54 of band) |
| Cash / assets | 8.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.75% (p16 of band) |
| Operating expense / assets | 2.68% (p23 of band) |
| Vehicles % of loans | 10% (p13 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 3% |
| Third-party paper % of net worth | 2% (p10 of band) |
| Vehicle delinquency | 0.10% (p4 of band) |
| Vehicle NCO | 0.71% (p32 of band) |
| Repossessed % of vehicle book | 0.05% (p43 of band) |
| Real estate % of loans | 77% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 77% |
| Core shares % of member funds | 46% |
| Certificates % of member funds | 32% |
| Average share balance | $11,360 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $0 |
| Loans outstanding per 100 members | 36% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $57,096 |
| Loans granted, annualized | $489.5M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $0 outstanding purchased (0.0% of net worth), $1.3M sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 0.2% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | delinquency rising |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | delinquency rising |
| 2018-03 | 1 | delinquency rising |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | delinquency rising |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | net worth falling |  |
| 2019-06 | 0 |  | net worth falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | net worth falling |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | delinquency rising |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 0 |  | net worth falling, delinquency rising |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | net worth falling |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 0 |  | net worth falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 1 | delinquency rising |  |
| 2023-06 | 0 |  | delinquency rising |
| 2023-09 | 0 |  |  |
| 2023-12 | 1 | delinquency rising |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 | net worth falling | delinquency rising |
| 2025-06 | 1 | delinquency rising | net worth falling |
| 2025-09 | 0 |  | delinquency rising |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

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

- 2026-04-14 [Provident Credit Union closing Palo Alto branch as part of planned transition - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxOVWU3a1FLZ3hzdnJEMndKNkNLMjVqOXlGV1Z2Y1liMU43S0Q1c19aQ1lDemx2QWhEbzNFZ1VZX1pMTy1OdlFBTUt0bkU4WTJQUjA2SXRONlRkU1l2Q3dvbnhLbWItQXNvMWZqQmZYd3hOZFJuRU9USzExWWRfTHZJRTYzd0FmT0NoMEk4NWV2WXhUeGRKb0ZHRm56YmtWcFBsM2tiekQ4Yw?oc=5) · The Business Journals
- 2026-01-06 [Nomination Press Release - NBC Sports Bay Area & California](https://news.google.com/rss/articles/CBMinAFBVV95cUxPYmd0RGlMeUdSYjBvb0wxSzZYY3pTclhRcTNzeVBhZDh1SDhQNjlkcHM2V2hKZlQtMFFDZXhzcTRhUzFxNWdzaS1mMmFRLU1rX0FCRXYwSlpnbnRGTG9lVUJ3d0ZTWTdlU0F1R09YLVVHTG9hQ0Rsc3puWTZvTnFBb2JXaWx2MTJPb2VMRDN6YnVIR2NvaVhWYVpOd0HSAaQBQVVfeXFMUHh3RFJFcVNBWkxpOXVnbHNUb3BybTk3TmZsY0RzNjcxWGZja2l5Z2IxMnBLaTJYdzc3b09oYTI3Zl94YmtZRkRjZGVyZWQzYkkxb1hmNGVQOVR3aDJoUlNSR00xZ0ZKS1NTblFuUGJjLVp6Z2s3TVVtRTRJSnhYRUo4RlN0SWJMMklQenFvVVFEbUppcGdZVzdxekJuYjVMc3ZXeW0?oc=5) · NBC Sports Bay Area & California
- 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
- 2026-08-28 [California Baptist Lancers vs San Jose State Spartans | November 18, 2026 | NCAAW Matchup - theScore](https://news.google.com/rss/articles/CBMib0FVX3lxTE94WW5nTHR3SlcwbDlETnVxdDlMeXlLZl92Unl3dzlCMXpRR3NGeE50N29YXzZ3OXpjWkpGVXB6eXFEQ21yTHo5bEpQaEN2Z01uaHhwZTN5azhhMzFFTVJVajloYU15X21ud1h1d0tuWQ?oc=5) · theScore
- 2023-07-12 [Provident Credit Union Event Center - sjsuspartans.com](https://news.google.com/rss/articles/CBMie0FVX3lxTFB5N09tWTN0WlZ5alFXUXpSU0JwM0JCRHAtWnBpME9lcnhXMkZjV3JpNG00bmhEcjJ2MEx4dVhLOXZwN2ZsdUV4T2dJY1ZXMzFSOVFOTU1hS3hiUV9fcGxzdnRXVzVBSVVRendDMk53ZzREcVBZN1ppMFA5WQ?oc=5) · sjsuspartans.com
- 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 & California
- 2025-04-07 [NBC Sports Bay Area, NBC Sports California, and Provident Credit Union Announce Five Finalists for 2025 All-Star Teacher Award - NBCUniversal News Group](https://news.google.com/rss/articles/CBMijAJBVV95cUxOX2JNZzFaTkVmeTJ5Z3VEeXBScFBNNjRVa01ydUU5NV9GdFFCQlhQZ05pYVN2c0lxcE1mTkhfelFzbExjdFk1WFlHVy14bE02cU5UX25odzlGbHhhdkcycEZRTXZHYk9lbVNVQURhektfZ0NEMVZRT2Zpa2ZaZzBMblViUURnRU1JdVFFbk9SX3dWZmY5NjRiZnhudGoxZF9PT0J6WTNuY1BscUtmM2NIaklJd2Q3M2ZyVzJGWkZ0ZE90ZjhaZzhaSFpldXBZRkd6bklwQmxoUF9oS1NTbjJKSl9ZTzNNYzZkcnpyQWg1ZVVNX0h4LUlCcWI4ckJGRGd4RF9UaWJ2eTZ1aTRv?oc=5) · NBCUniversal News Group
- 2026-07-22 [CommonWealth welcomes new Chief Financial Officer Janelle Huynh - CUInsight](https://news.google.com/rss/articles/CBMipwFBVV95cUxPLWxrQTZYS1JCZkpCXzRaTzM4eGNMZmV0aDlnakRYUlRfT0FLeGhlVDhmLUdtQ0hVa1Y0cUtrUHJ0MTNTTS1EUnFheW5sb3hlNExNTFVMbTd6S1RlbW5RclZaaVRBX2RzWklmRVEzTFFYcnUzTUY2RENNUVc3bVdwQWF2V1FlQzVxN3RWN09zZjJGbG80YWVjb255UW9RNEtSRzJRNmtxWQ?oc=5) · CUInsight

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66343 (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/39.json (key "66343", 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=66343
- 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