Provident
Redwood City, CA · Charter 66343 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 23 branches
Q2 2026
$3.6BAssets
$2.9BLoans
$3.1BShares
$389.8MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of credit unions $1B-$10B in assets (rank 3 of 435).
- Widest gap: net interest margin trails 85% of credit unions $1B-$10B in assets (rank 371 of 435).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.65%
Rank 295 of 435
Net Interest Margin
2.78%
Rank 371 of 435
Efficiency Ratio
79.60%
Rank 361 of 435
Equity / Assets
10.86%
Rank 214 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.65% | 0.55% | 0.81% | 1.14% | Beats 32% | 295 / 435 | |
| Return on Equity | 5.97% | 5.12% | 7.41% | 9.70% | Beats 34% | 287 / 435 | |
| Net Interest Margin | 2.78% | 3.01% | 3.39% | 3.75% | Beats 15% | 371 / 435 | |
| Efficiency Ratio | 79.60% | 65.25% | 71.39% | 77.86% | Beats 17% | 361 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.07% | 0.45% | 0.69% | 1.05% | Beats 100% | 3 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.86% | 9.81% | 10.84% | 12.63% | Beats 51% | 214 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.86% | 9.81% | 10.84% | 12.63% | Beats 51% | 214 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 90.80% | 78.33% | 88.38% | 95.61% | 58th pctl | 181 / 435 | |
| Loans / Assets | 79.54% | 67.69% | 74.58% | 80.80% | 68th pctl | 140 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |