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PROVIDENT FEDERAL CREDIT UNION

Dec, 31, 2021 — PROVIDENT FEDERAL CREDIT UNION is a federal credit union headquartered in DOVER, DE with 1 branch location and about $12.70 million in total assets. Opened 58 years ago in 1964, PROVIDENT FEDERAL CREDIT UNION has about 1,631 members and employs 5 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.


ABA Routing Number: 231176596
Name:PROVIDENT FEDERAL CREDIT UNION
Address:
(Main Office)
401 S New St
DOVER, DE 19904
Phone:(302) 734-1133
Fax:(302) 734-2683
Website:http://www.providentfcu.com
Branches:1 branch locations
Members:1,631
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:Mar 01, 2021
FHLB Member:No
Low Income Designation:No
Assets:$12,698,901
CEO/Manager:Francine Wilson
Chairperson:James G Potts

Call Report

  • Payday Alternative Loans (PAL Loans)
  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 2,489,770
TOTAL INVESTMENTS 4,660,429
Loans Held for Sale 0
 
 Real Estate Loans 55,164
 Unsecured Loans 2,125,685
 Other Loans 3,109,085
 TOTAL LOANS 5,289,934
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -98,200
 Land And Building 141,035
 Other Fixed Assets 72,590
 NCUSIF Deposit 107,164
 All Other Assets 36,179
  TOTAL ASSETS 12,698,901
LIABILITIES & CAPITAL:  
 Dividends Payable 4,271
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 4,786
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 2,439,592
 Regular shares 6,764,840
 All Other Shares & Deposits 1,979,486
  TOTAL SHARES & DEPOSITS 11,183,918
  TOTAL LIABILITIES 11,192,975
 Regular Reserve 414,230
 Other Reserves 0
 Undivided Earnings 1,091,696
  TOTAL EQUITY 1,505,926
  TOTAL LIABILITIES, SHARES, & EQUITY 12,698,901
INCOME & EXPENSE  
 Loan Income 476,130
 Investment Income 36,363
 Other Income 105,628
 Total Employee Compensation & Benefits 311,162
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 281,007
 Non-operating Income & (Expense) 0
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 16,000
 Cost of Funds 23,823
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 25,130
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