PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Provident

Redwood City, CA · Charter 66343

NCUA · 23 branches

Q2 2026

$3.6BAssets
$2.9BLoans
$3.1BShares
$389.8MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.65%, up 26 bps year over year; NIM at 2.78%.
  • Asset quality: problem loans at 0.07% of loans (-2 bps YoY).
  • Capital: net worth / assets of 10.86%, up 54 bps from a year ago.
  • Funding: loans stand at 90.80% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.65%+26 bps YoY

Net Interest Margin (YTD, annualized)

2.78%+32 bps YoY

Efficiency Ratio (YTD, annualized)

79.60%-607 bps YoY

Net Worth / Assets

10.86%+54 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.39%0.45%0.47%0.63%0.65%+26 bps
Return on Equity3.75%4.33%4.52%5.95%5.97%+222 bps
Net Interest Margin2.46%2.47%2.50%2.75%2.78%+32 bps
Efficiency Ratio85.67%84.04%83.44%79.49%79.60%-607 bps
Growth
Asset Growth (YoY)1.76%3.04%1.95%0.69%0.51%-125 bps
Loan Growth (YoY)3.36%5.84%5.84%5.42%5.83%+247 bps
Share Growth (YoY)0.93%2.73%1.39%0.21%0.02%-90 bps
Asset Quality
Delinquent Loans / Loans0.09%0.13%0.12%0.08%0.07%-2 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.32%10.34%10.46%10.59%10.86%+54 bps
Net Worth / Assets10.32%10.34%10.46%10.59%10.86%+54 bps
Liquidity & Funding
Loans / Shares85.83%86.43%87.19%87.67%90.80%+498 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps