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
- BOOK 88/100
- CHARTER 10.6%
- NCUSIF 0.12%
- CAMELS 0.09%
- HEALTH $3.62B
- NW 135,870
- DELQ #1,489/4,374
- ROA Dupaco Community
- ASSETS 66343
Call Report peers
PROVIDENT in the assets neighbourhood
PROVIDENT's $3.62B assets sit next to Dupaco Community ($3.59B) 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
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 - 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 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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
PROVIDENT: 2025Q4 → 2026Q1
PROVIDENT: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.3% from $3.62B (2025Q4) to $3.63B (2026Q1).
- Net-worth ratio shifted +0.13 pp (10.46% → 10.59%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
Cross-state asset and health neighbours for PROVIDENT - kept outside California; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($3.62B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
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
- Rates and health both vary by institution, not just by state -- see how California credit unions compare overall before assuming this one is typical. California 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 10.59% 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,489 of 4,374; by total assets it ranks #138 of 4,374 nationally (same basis as /rankings/largest); and #22 of 243 within California. 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 10.59% 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.