PROVIDENT
State-Chartered • REDWOOD CITY, California • Est. 1950
Quick Facts
- Charter Number
- #66343
- Type
- State-Chartered
- Established
- 1950
- Headquarters
- REDWOOD CITY, California 94065
- Address
- 303 TWIN DOLPHIN DRIVE
- Branches
- 24
- ATMs
- 22
- Members
- 135,870
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
135,870 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | PROVIDENT |
|---|---|
| Total Assets | $3.6B |
| Members | 135,870 |
| Loans Outstanding | $2.8B |
| Shares & Deposits | $3.2B |
| Net Worth | $378.2M |
| Net Worth Ratio | 10.46% |
| Loan-to-Share Ratio | 87.2% |
| Delinquency Rate | 0.12% |
| Net Income | +$19,277,329 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
24 locations · 22 ATMs
Corporate Office
Main Office303 Twin Dolphin Dr
Redwood City, CA 94065-1497
Provident CU Belmont Branch
1050 El Camino Real Ste C
Belmont, CA 94002
Branch Office
2171 Junipero Serra Blvd Ste 150
Daly City, CA 94014-1955
Branch Office
2475 Iron Point Rd Ste 110
Folsom, CA 95630-8755
Branch Office
22302 Foothill Blvd
Hayward, CA 94541-2710
Who Can Join PROVIDENT?
Membership Type: Community
Membership eligibility for PROVIDENT may vary. Contact the credit union directly to confirm qualification requirements.
Contact PROVIDENT directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View California RankingsFrequently Asked Questions
Yes. PROVIDENT is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, PROVIDENT has 135,870 members and a potential membership field of 1,000,000 people.
PROVIDENT's net worth ratio is 10.46% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 10.5%, PROVIDENT meets this threshold.
PROVIDENT operates 24 branch locations and has access to 22 ATMs. The main office is located at 303 Twin Dolphin Dr, Redwood City, CA 94065-1497.
PROVIDENT was established in 1950. It is a state-chartered credit union chartered under charter number 66343. The institution has been serving members for 76 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or PROVIDENT. All financial data is for informational purposes only.