Provident

REDWOOD CITY, CA · 2 · Charter #66343 · www.providentcu.org
Mid ($1B–$10B)Reporting period: Q4 2025Peer group: 446 CUs

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$3.6B
74th percentile
Members
135,870
57th percentile
Total loans
$2.8B
74th percentile
Total shares
$2.9B
73th percentile

Profitability

Return on assets
0.53%
20th percentile
Net interest margin
2.50%
13th percentile
Efficiency ratio
55.61%
31th percentile
Non-interest income ratio
14.83%
26th percentile

Capital & Risk

Net worth ratio
10.46%
43th percentile
Delinquency rate
0.12%
98th percentile
Net charge-off rate
0.08%
96th percentile
Loan-to-share
94.63%
66th percentile

Growth

Member growth YoY
0.57%
31th percentile
Asset growth YoY
1.95%
20th percentile
Loan growth YoY
5.84%
56th percentile
Share growth YoY
1.52%
18th percentile

Operations

Members / branch
5,907
30th percentile
Assets / member
$26,610
90th percentile
Field of membership penetration
13.59%
74th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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