Federal credit union · DOVER, Delaware · NCUA charter #16364
PROVIDENT
Health score 76/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 76
- Health / 100
- $12.0M
- Total assets
- 1,642
- Members
- 13.7%
- Net-worth ratio
PROVIDENT scores 76/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $12.0M; members 1,642; net-worth ratio 13.72%; health rank #3,169 of 4,374; healthier than 26th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,169 of 4,374 health · 2025Q4PROVIDENT · health 76/100 · $12.0M · 2025Q4
Call Report peers
PROVIDENT in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
PROVIDENT vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); PROVIDENT sits in 75-79 with 502 others.
76 26th percentile higher than 26% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Where PROVIDENT diverges from peer averages
- Largest lag: Loan-to-Share Ratio at 52.12% vs peer 59.80% (-7.68 pp).
Delaware standing for PROVIDENT
- Health composite ranks #7 of 15 among scored Delaware credit unions.
- Delaware assets place: #13 of 15.
- Member book place in Delaware: #14 of 15.
- One place up in Delaware, Eagle One (#6) scores 79/100, 3 points higher; one place down, DEXSTA (#8) scores 73/100, 3 points lower.
How PROVIDENT's 5300 filing moved
PROVIDENT: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.1% from $12.0M (2025Q4) to $12.0M (2026Q1).
- Net-worth ratio shifted -0.41 pp (14.13% → 13.72%).
At 13.72%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 76/100 score is built
PROVIDENT gives up 24 points in total. Delinquency Rate costs the most, 12.8 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 12.2 pts
- Return on Assets 15.0 pts
- Member Growth 7.6 pts
- Loan-to-Share Ratio 11.2 pts
PROVIDENT vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.72% | -1.14 pp |
| Delinquency Rate | 2.06% | +0.91 pp |
| Return on Assets | 0.64% | -0.07 pp |
| Member Growth | -0.79% | - |
| Loan-to-Share Ratio | 52.12% | -7.68 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
PROVIDENT filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $12.0M | - |
| 2025Q4 | $12.0M | 1,642 |
| 2024Q4 | $11.9M | 1,655 |
| 2023Q4 | $12.1M | 1,688 |
Credit Union Details
- Charter Number
- 16364
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Delaware
- City
- DOVER
- Data Quarter
- 2025Q4
Branch Locations (2)
PROVIDENT operates 2 offices across 2 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Branch (Main Office) | Dover, DE |
| First Financial Federal Credit Union | Elkton, MD |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Delaware
Other federally-insured credit unions in Delaware, closest first by peer group and asset size.
Other-state peers near PROVIDENT
Using this data
- PROVIDENT ranks #3,169 of 4,374 nationally on financial health and #7 of 15 in DE -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Wilmington Police & Fire is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Wilmington Police & Fire
Frequently Asked Questions
Is PROVIDENT financially healthy?
On its 2025Q4 NCUA 5300 filing, PROVIDENT scores 76/100 (Very Good), with a 13.72% net worth ratio and 2.06% of loans delinquent. It ranks #3,169 of 4,374 nationally on health and #7 of 15 in Delaware.
How does PROVIDENT compare to other credit unions?
PROVIDENT scores 76/100, higher than 26% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (52.12% vs 59.80%).
How can I join PROVIDENT?
PROVIDENT 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 PROVIDENT directly for the exact boundaries and application steps.
Is my money safe at PROVIDENT?
PROVIDENT 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. PROVIDENT's net worth ratio of 13.72% 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.