PROVIDENT
Charter #66343 · REDWOOD CITY, CA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Delinquency 60+ days of 0.08% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.12% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- On Net worth ratio, the asset-size band puts this credit union at the 47th percentile but its structural peers at the 62nd — a 16-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | PROVIDENT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $3.63B | 71th pct | 66th pct |
| Members | 135,247 | 56th pct | 57th pct |
| Net worth ratio | 10.59% | 47th pct | 62th pct |
| Return on average assets | 0.63% | 43th pct | 56th pct |
| Net interest margin | 2.75% | 16th pct | 30th pct |
| Cost of funds | 1.68% | 44th pct | 43th pct |
| Loan-to-share | 87.67% | 54th pct | 48th pct |
| Delinquency 60+ days | 0.08% | 1th pct | 3th pct |
| Net charge-off ratio | 0.12% | 7th pct | 21th pct |
| Loan growth YoY | 1.74% | 50th pct | 52th pct |
| Share growth YoY | 0.30% | 6th pct | 8th pct |
| Efficiency ratio | 79.49% | 76th pct | 64th pct |
structural peer set hash: 99c5e7c5f3b0dba85ec56555c9533af7… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.