Sep, 30, 2025 — PROVIDENT FEDERAL CREDIT UNION is a federal credit union headquartered in DOVER, DE with 1 branch location and about $11.75 million in total assets. Opened 62 years ago in 1964, PROVIDENT FEDERAL CREDIT UNION has about 1,645 members and employs 6 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | PROVIDENT FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 401 S New St DOVER, DE 19904 |
| Phone: | (302) 734-1133 |
| Fax: | (302) 734-2683 |
| Website: | https://www.providentfcu.com |
| Branches: | 1 branch locations |
| Members: | 1,645 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 16364 |
|---|---|
| Membership Type: | Multiple common bond - Primarily other manufacturing |
| Corporate Credit Union: | No |
| Year Opened: | 1964 |
| Last Audited: | Jun 01, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $11,746,040 |
| CEO/Manager: | Francine Wilson |
| Chairperson: | Peter J Analore |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 1,331,291 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 43,001 |
| Unsecured Loans | 2,135,481 |
| Other Loans | 3,111,179 |
| TOTAL LOANS | 5,289,661 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -156,997 |
| Land And Building | 103,052 |
| Other Fixed Assets | 87,472 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 100,421 |
| All Other Assets | 0 |
| TOTAL ASSETS | 11,746,040 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 1,637 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 2,267,020 |
| Regular shares | 5,958,493 |
| All Other Shares & Deposits | 1,811,684 |
| TOTAL SHARES & DEPOSITS | 10,037,198 |
| TOTAL LIABILITIES | 10,038,835 |
| Regular Reserve | 0 |
| Other Reserves | 414,230 |
| Undivided Earnings | 1,292,975 |
| TOTAL EQUITY | 1,707,205 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 11,746,040 |
| INCOME & EXPENSE | |
| Loan Income | 381,791 |
| Investment Income | 221,688 |
| Other Income | 85,895 |
| Total Employee Compensation & Benefits | 289,500 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 245,612 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 94,598 |
| Cost of Funds | 38,185 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 42,356 |
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