State credit union · REDWOOD CITY, California · NCUA charter #66343
Provident
Health score 88/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $3.62B
- Total assets
- 135,870
- Members
- 10.4%
- Net-worth ratio
Provident - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #66343: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Provident - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)58
- Member growth65
- Liquidity (loan-to-share)100
Weighted composite: 88/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 10.45%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.45% | 30% |
| Delinquency Rate | 0.12% | 25% |
| Return on Assets | 0.09% | 15% |
| Member Growth | 0.57% | 15% |
| Loan-to-Share Ratio | 87.19% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $3.62B | 135,870 |
| 2024Q4 | $3.55B | 135,100 |
| 2023Q4 | $3.50B | 135,664 |
Credit Union Details
- Charter Number
- 66343
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- California
- City
- REDWOOD CITY
- Data Quarter
- 2025Q4
What This Data Says About Provident
Headquartered in REDWOOD CITY, California, Provident is a state credit union with 135,870 members, $3.62B in total assets, and $2.77B in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 88/100 (Excellent), driven in part by a net worth ratio of 10.45% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #66343 and reports within peer group Over $500M, a cohort of 749 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 0.12% measures loans 60+ days past due against total loans outstanding - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers. The loan-to-share ratio of 87.19% indicates how aggressively member deposits are being deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.09% on net income of $3.3M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 0.57%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Other). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in California
A look at other California credit unions, ranked by how closely their peer group and asset size match this one.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Provident financially healthy?
A 10.45% net worth ratio and a 0.12% delinquency rate feed into Provident's financial health score of 88/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Provident compare to other credit unions?
Five weighted metrics from NCUA filings produce Provident's 88/100 score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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?
Membership eligibility for Provident depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Provident directly for current membership requirements 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 10.45% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.