State credit union · REDWOOD CITY, California · NCUA charter #66343
PROVIDENT
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $3.62B
- Total assets
- 135,870
- Members
- 10.6%
- Net-worth ratio
PROVIDENT scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $3.62B; members 135,870; net-worth ratio 10.59%; health rank #1,489 of 4,374; healthier than 65th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,489 of 4,374 health · 2025Q4PROVIDENT · health 88/100 · $3.62B · 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
PROVIDENT sits in the busiest band, 85-89, alongside 857 other credit unions.
88 Top 35% higher than 65% 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 vs Over $500M peers
- Largest favorable gap: Loan-to-Share Ratio at 87.19% vs peer 83.90% (+3.29 pp).
- Largest lag: Net Worth Ratio at 10.59% vs peer 11.18% (-0.59 pp).
PROVIDENT in California
- California health ordinal: #93 of 243.
- By total assets, PROVIDENT is #22 of 243 in California.
- Member book place in California: #27 of 243.
- One place up in California, PASADENA (#92) ties at 88/100; one place down, United Catholics (#94) ties at 88/100.
PROVIDENT: 2025Q4 → 2026Q1
PROVIDENT: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.3% from $3.62B (2025Q4) to $3.63B (2026Q1).
- Net-worth ratio shifted +0.13 pp (10.46% → 10.59%).
At 10.59%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 88/100 score is built
PROVIDENT gives up 12 points in total. Return on Assets costs the most, 6.4 of its 15; Net Worth Ratio and Delinquency Rate and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 8.6 pts
- Member Growth 9.7 pts
- Loan-to-Share Ratio 14.7 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.59% | -0.59 pp |
| Delinquency Rate | 0.12% | -0.76 pp |
| Return on Assets | 0.09% | -0.42 pp |
| Member Growth | 0.57% | - |
| Loan-to-Share Ratio | 87.19% | +3.29 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
PROVIDENT filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $3.63B | - |
| 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
Branch Locations (23)
The NCUA branch filing lists 23 physical offices for PROVIDENT, spread across 18 cities.
| Office | City |
|---|---|
| Corporate Office (Main Office) | Redwood City, CA |
| Provident CU Alameda Branch | Alameda, CA |
| Provident CU Belmont Branch | Belmont, CA |
| Branch Office | Daly City, CA |
| Branch Office | Dublin, CA |
| Branch Office | Folsom, CA |
| Branch Office | Fremont, CA |
| Branch Office | Hayward, CA |
| Branch Office | Los Gatos, CA |
| Branch Office | Millbrae, CA |
| Branch Office | Oakland, CA |
| Branch Office | Palo Alto, CA |
| Branch Office | Redwood City, CA |
| Location of Records | Redwood City, CA |
| Branch Office | San Francisco, CA |
| Branch Office | San Francisco, CA |
| Branch Office | San Jose, CA |
| Branch Office | San Jose, CA |
| Branch Office | San Jose, CA |
| Branch Office | San Mateo, CA |
| Branch Office | San Ramon, CA |
| Branch Office | Sunnyvale, CA |
| Branch Office | Walnut Creek, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
Other-state peers near PROVIDENT
Similar total assets
Using this data
- PROVIDENT ranks #1,489 of 4,374 nationally on financial health and #93 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- California Coast is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with California Coast
Frequently Asked Questions
Is PROVIDENT financially healthy?
PROVIDENT has a financial health score of 88/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,489 of 4,374 nationally on health and #93 of 243 in California. Its net worth ratio is 10.59% and its delinquency rate 0.12%.
How does PROVIDENT compare to other credit unions?
PROVIDENT scores 88/100, higher than 65% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (87.19% vs 83.90%). Its widest shortfall is net worth ratio (10.59% vs 11.18%).
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?
PROVIDENT is a state-chartered 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 10.59% 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.