Provident Credit Union
Major Rating Factors:
A current level of 0.6 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.8). Excellent current capitalization (8.6 on a scale of 0 to 10) based on a net capital to total assets of 10.6 and a net worth ratio of 10.6.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.5 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.6 has resulted in Fair (3.5) profitability.
Asset Mix:
Home mtgs (55%), consumer loans (9%), comm loans (8%), other (27%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
303 Twin Dolphin Drive
Redwood City, CA 94065
Redwood City, CA 94065
Phone Number
(650) 508-0300
NCUA Charter Number
Website
Largest Competitors
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