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PROVIDENT FEDERAL CREDIT UNION

Mar, 31, 2021 — PROVIDENT FEDERAL CREDIT UNION is a federal credit union headquartered in DOVER, DE with 1 branch location and about $12.91 million in total assets. Opened 57 years ago in 1964, PROVIDENT FEDERAL CREDIT UNION has about 1,631 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.


ABA Routing Number: 231176596
Name:PROVIDENT FEDERAL CREDIT UNION
Address:
(Main Office)
401 S NEW STREET
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, 2020
FHLB Member:No
Low Income Designation:No
Assets:$12,909,873
CEO/Manager:Francine Wilson
Chairperson:James G Potts

Call Report

  • Overdraft Lines of Credit
  • Pay Day Loans
  • Real Estate Loans
  • Share Secured Credit Cards
  • Payday Alternative Loans (PAL Loans)
  • ATM/Debit Card Program
  • Check Cashing
  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 3,626,239
TOTAL INVESTMENTS 3,810,429
Loans Held for Sale 0
 
 Real Estate Loans 79,371
 Unsecured Loans 2,121,604
 Other Loans 3,053,786
 TOTAL LOANS 5,254,761
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -140,802
 Land And Building 148,632
 Other Fixed Assets 80,171
 NCUSIF Deposit 86,644
 All Other Assets 43,799
  TOTAL ASSETS 12,909,873
LIABILITIES & CAPITAL:  
 Dividends Payable 5,811
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 456
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 2,524,372
 Regular shares 6,930,269
 All Other Shares & Deposits 1,972,356
  TOTAL SHARES & DEPOSITS 11,426,997
  TOTAL LIABILITIES 11,433,264
 Regular Reserve 414,230
 Other Reserves 0
 Undivided Earnings 1,062,379
  TOTAL EQUITY 1,476,609
  TOTAL LIABILITIES, SHARES, & EQUITY 12,909,873
INCOME & EXPENSE  
 Loan Income 116,310
 Investment Income 8,159
 Other Income 24,796
 Total Employee Compensation & Benefits 81,633
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 68,260
 Non-operating Income & (Expense) 0
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 4,000
 Cost of Funds 6,403
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) -4,189
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