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National Credit Union Service Organization

PROVIDENT CREDIT UNION

Jun, 30, 2023 — PROVIDENT CREDIT UNION is a federally insured state chartered credit union headquartered in REDWOOD CITY, CA with 23 branch locations and about $3.51 billion in total assets. Opened 74 years ago in 1950, PROVIDENT CREDIT UNION has about 133,858 members and employs 347 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: 321171731
Name:PROVIDENT CREDIT UNION
Address:
(Main Office)
303 Twin Dolphin Dr
REDWOOD CITY, CA 94065-1497
Phone:(650) 508-0300
Fax:(650) 508-7284
Website:https://providentcu.org
Branches:23 branch locations
Members:133,858
Credit Union Type:Federally Insured State Chartered Credit Union
Charter Number:66343
Membership Type:State chartered natural person
Corporate Credit Union:No
Year Opened:1950
Last Audited:Dec 01, 2021
FHLB Member:Yes
Low Income Designation:No
Assets:$3,509,357,907
CEO/Manager:James Ernest
Chairperson:David Pelzner

Call Report

  • First Time Homebuyer Program
  • International Remittances
  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 140,879,360
TOTAL INVESTMENTS 0
Loans Held for Sale 0
 
 Real Estate Loans 1,667,416,888
 Unsecured Loans 49,079,414
 Other Loans 332,440,349
 TOTAL LOANS 2,048,936,651
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -10,644,853
 Land And Building 23,177,506
 Other Fixed Assets 8,392,482
 NCUSIF Deposit 27,095,763
 All Other Assets 119,442
  TOTAL ASSETS 3,509,357,907
LIABILITIES & CAPITAL:  
 Dividends Payable 604,661
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 43,204,355
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 214,202,119
 Regular shares 1,678,846,536
 All Other Shares & Deposits 1,278,287,590
  TOTAL SHARES & DEPOSITS 3,171,336,245
  TOTAL LIABILITIES 3,215,145,261
 Regular Reserve 0
 Other Reserves -26,054,181
 Undivided Earnings 320,266,827
  TOTAL EQUITY 294,212,646
  TOTAL LIABILITIES, SHARES, & EQUITY 3,509,357,907
INCOME & EXPENSE  
 Loan Income 46,605,807
 Investment Income 11,481,247
 Other Income 5,064,495
 Total Employee Compensation & Benefits 33,126,932
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 34,804,099
 Non-operating Income & (Expense) 3,171,350
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 317,858
 Cost of Funds 10,403,880
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 4,303,756
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