PROVIDENT

Charter #66343 | CA

3B-5B (76 CUs) Mid-Market (380 CUs)
10 3B-5B in CA

PROVIDENT has 7 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 21.6% in tier
  • + Relationship Depth Leader: Top 33.2% in tier
  • + Net Charge-Off Rate: Top 1.3% in tier
  • + Total Delinquency Rate (60+ days): Top 2.6% in tier
  • + Average Member Relationship (AMR): Top 5.3% in tier
  • + Indirect Auto Concentration (%): Top 6.6% in tier
  • + Loan-to-Member Ratio (LMR): Top 6.6% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 9.4% in tier
  • - Growth-at-Risk: Bottom 24.8% in tier
  • - Credit Quality Pressure: Bottom 24.8% in tier
  • - ROA 0.29% below tier average
  • - Efficiency ratio 12.77% above tier (higher cost structure)
  • - First Mortgage Concentration (%): Bottom 1.3% in tier
  • - Total Members: Bottom 5.3% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 135,577
+0.5% YoY+0.7% QoQ
 -102.9K 238,465
+0.6% YoY
 59,606
+5.7% YoY
 33,089
+6.1% YoY
 Bottom 3.9% in tier
Assets $3.6B
+3.0% YoY+1.3% QoQ
 $-354.0M $4.0B
-0.1% YoY
 $1.2B
+6.2% YoY
 $547.7M
+7.8% YoY
 33rd in tier
Loans $2.8B
+5.8% YoY+1.9% QoQ
 $-268.8M $3.0B
+3.3% YoY
 $845.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 30th in tier
Deposits $3.2B
+2.7% YoY+1.2% QoQ
 $-151.2M $3.3B
+1.1% YoY
 $1.0B
+8.8% YoY
 $464.6M
+9.3% YoY
 38th in tier
ROA 0.5%
+621.5% YoY+16.9% QoQ
 -0.3% 0.7%
+5.3% YoY
 0.6%
+30.0% YoY
 0.7%
+273.4% YoY
 Bottom 18.4% in tier
NIM 2.5%
+25.3% YoY+1.4% QoQ
 -0.7% 3.2%
+13.7% YoY
 3.3%
+6.5% YoY
 3.7%
+5.0% YoY
 Bottom 11.8% in tier
Efficiency Ratio 84.0%
-12.2% YoY-1.9% QoQ
 +12.8% 71.3%
-0.6% YoY
 79.3%
-6.2% YoY
 79.1%
-3.3% YoY
 Top 7.9% in tier
Delinquency Rate 0.1%
+19.3% YoY+49.9% QoQ
 -0.7 0.8%
+15.9% YoY
 0.7%
-38.7% YoY
 1.2%
-0.9% YoY
 Bottom 2.6% in tier
Loan To Share 86.4%
+3.0% YoY+0.7% QoQ
 -4.4% 90.8%
+2.0% YoY
 68.8%
-1.5% YoY
 68.0%
-1.7% YoY
 29th in tier
AMR $43,754
+3.7% YoY+0.9% QoQ
 +$15K $29,088
+0.1% YoY
 $28,514
+2.8% YoY
 $19,418
+1.3% YoY
 Top 6.6% in tier
CD Concentration 33.2%
+0.4% YoY+1.1% QoQ
 +4.3% 29.0%
+0.8% YoY
 21.7%
+4.2% YoY
 19.6%
+6.2% YoY
 71st in tier
Indirect Auto % 0.3%
-5.8% YoY-2.6% QoQ
 -18.5% 18.8%
-2.8% YoY
 9.5%
-6.9% YoY
 7.9%
-2.9% YoY
 Bottom 14.0% in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth
#157 of 264 • Top 21.6% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 3.68%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#241 of 264 • Top 33.2% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 3.68%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $1.3K
(Tier: $3.1K, National: $2.0K)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Concerns (3)

Efficiency Drag

risk
#32 of 96 • Bottom 9.4% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 84.04%
(Tier: 73.45%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.39% points
(Tier: 0.07% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): 0.45%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
96 of 380 Mid-Market CUs have this signature | 624 nationally
↓ Shrinking -32 CUs YoY | Rank worsening

Growth-at-Risk

risk
#139 of 161 • Bottom 24.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 5.84%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
Delinquency Change (YoY): 0.02% points
(Tier: 0.07% points, National: 0.07% points)
but better than tier avg
161 of 380 Mid-Market CUs have this signature | 646 nationally
↓ Shrinking -30 CUs YoY | Rank worsening

Credit Quality Pressure

risk
#191 of 217 • Bottom 24.8% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.02% points
(Tier: 0.07% points, National: 0.07% points)
but better than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | Rank improving

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 76 peers in tier

Top Strengths (5 metrics)

2
Net Charge-Off Rate
risk
Value: 0.08%
Peer Avg: 0.64%
#2 of 76 Top 1.3% in 3B-5B tier
3
Total Delinquency Rate (60+ days)
risk
Value: 0.13%
Peer Avg: 0.84%
#3 of 76 Top 2.6% in 3B-5B tier
5
Average Member Relationship (AMR)
engagement
Value: $43,754
Peer Avg: $29,088
#5 of 76 Top 5.3% in 3B-5B tier
6
Indirect Auto Concentration (%)
balance_sheet
Value: 0.27%
Peer Avg: 20.57%
#6 of 76 Top 6.6% in 3B-5B tier
6
Loan-to-Member Ratio (LMR)
engagement
Value: $20,285
Peer Avg: $13,761
#6 of 76 Top 6.6% in 3B-5B tier

Top Weaknesses (7 metrics)

76
First Mortgage Concentration (%)
balance_sheet
Value: 70.96%
Peer Avg: 34.35%
#76 of 76 Bottom 1.3% in 3B-5B tier
73
Total Members
engagement
Value: 135,577
Peer Avg: 238,466
#73 of 76 Bottom 5.3% in 3B-5B tier
71
Efficiency Ratio
profitability
Value: 84.04%
Peer Avg: 71.26%
#71 of 76 Bottom 7.9% in 3B-5B tier
67
Net Interest Margin (NIM)
profitability
Value: 2.48%
Peer Avg: 3.20%
#67 of 76 Bottom 13.2% in 3B-5B tier
65
Member Growth Rate
growth
Value: 0.45%
Peer Avg: 7.02%
#65 of 76 Bottom 15.8% in 3B-5B tier
62
Return on Assets (ROA)
profitability
Value: 0.45%
Peer Avg: 0.75%
#62 of 76 Bottom 19.7% in 3B-5B tier
58
Deposit Growth Rate
growth
Value: 2.73%
Peer Avg: 8.84%
#58 of 76 Bottom 25.0% in 3B-5B tier