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
- CAMELS 76/100
- HEALTH 13.7%
- NW 2.06%
- DELQ 0.64%
- ROA $12.0M
- ASSETS 1,642
- MEM #3,169/4,374
- RANK WABELLCO
- PHOTO 16364
Call Report peers
PROVIDENT in the assets neighbourhood
PROVIDENT's $12.0M assets sit next to WABELLCO ($12.0M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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
PROVIDENT - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #16364: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Where PROVIDENT diverges from peer averages
- Largest lag: Loan-to-Share Ratio at 52.12% vs peer 59.80% (-7.68 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for DE only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How PROVIDENT's 5300 filing moved
PROVIDENT: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.1% from $12.0M (2025Q4) to $12.0M (2026Q1).
- Net-worth ratio shifted -0.41 pp (14.13% → 13.72%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 76.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Cross-state asset and health neighbours for PROVIDENT - kept outside Delaware; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($12.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (76/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Delaware credit unions compare overall before assuming this one is typical. Delaware state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is PROVIDENT financially healthy?
A 13.72% net worth ratio and a 2.06% delinquency rate feed into PROVIDENT's financial health score of 76/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,169 of 4,374; by total assets it ranks #3,458 of 4,374 nationally (same basis as /rankings/largest); and #13 of 15 within Delaware. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does PROVIDENT compare to other credit unions?
On PlainCU's health composite, PROVIDENT lands at 76/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like PROVIDENT are 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."
What rates does PROVIDENT offer compared to banks?
Credit unions like PROVIDENT are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact PROVIDENT directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.