Civic Intelligence

Provident Credit Union

990 • Fiscal year 2012 • EIN 94-1482957

Jan 01, 2012 to Dec 31, 2012 • Filed on Nov 13, 2013

Organization ProfileWWW.PROVIDENTCU.ORG

View Organization Page

303 Twin Dolphin Drive94063
Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

15th percentile

0.88x

Higher debt load relative to assets than 15% of similar nonprofits.

2012 filings • 501(c)14 • $1B+ nonprofits • Source year 2012

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2012

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2012

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2012

Asset Growth

88th percentile

14%

Faster asset growth than 88% of similar nonprofits.

2012 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2011 to 2012

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets15th percentile

Assets

Up

$1,725,684,280

Up $209,461,294 (+14%) from 2011

Net Assets

Up

$213,330,533

Up $14,681,055 (+7.4%) from 2011

Liabilities

Up

$1,512,353,747

Up $194,780,239 (+15%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Up

$67,849,589

Up $1,480,998 (+2.2%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth88th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$4.0B$3.0B$2.0B$1.0B$0Assets 2010: $1,626,499,898Liabilities 2010: $1,438,431,376Net Assets 2010: $188,068,5222010Assets 2011: $1,516,222,986Liabilities 2011: $1,317,573,508Net Assets 2011: $198,649,4782011Assets 2012: $1,725,684,280Liabilities 2012: $1,512,353,747Net Assets 2012: $213,330,5332012Assets 2013: $1,901,980,386Liabilities 2013: $1,678,340,767Net Assets 2013: $223,639,6192013Assets 2014: $2,032,003,563Liabilities 2014: $1,795,920,562Net Assets 2014: $236,083,0012014Assets 2015: $2,124,975,420Liabilities 2015: $1,873,469,484Net Assets 2015: $251,505,9362015Assets 2016: $2,283,897,433Liabilities 2016: $2,013,049,439Net Assets 2016: $270,847,9942016Assets 2017: $2,385,488,711Liabilities 2017: $2,103,461,945Net Assets 2017: $282,026,7662017Assets 2018: $2,599,866,298Liabilities 2018: $2,302,598,797Net Assets 2018: $297,267,5012018Assets 2019: $2,795,784,013Liabilities 2019: $2,474,975,636Net Assets 2019: $320,808,3772019Assets 2020: $3,317,870,698Liabilities 2020: $2,976,874,448Net Assets 2020: $340,996,2502020Assets 2021: $3,536,838,918Liabilities 2021: $3,195,619,513Net Assets 2021: $341,219,4052021Assets 2022: $3,510,687,147Liabilities 2022: $3,209,719,493Net Assets 2022: $300,967,6542022Assets 2023: $3,497,380,170Liabilities 2023: $3,160,218,947Net Assets 2023: $337,161,2232023Assets 2024: $3,546,468,170Liabilities 2024: $3,189,216,280Net Assets 2024: $357,251,8902024

Highlighted filing

2012

Assets$1,725,684,280
Liabilities$1,512,353,747
Net Assets$213,330,533
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$200M$150M$100M$50M$0Expenses 2010: $81,422,9332010Expenses 2011: $66,368,5912011Expenses 2012: $67,849,5892012Revenue 2013: $74,422,514Expenses 2013: $62,501,586Net Income 2013: $11,920,9282013Revenue 2014: $74,066,430Expenses 2014: $63,200,400Net Income 2014: $10,866,0302014Revenue 2015: $80,123,092Expenses 2015: $63,943,576Net Income 2015: $16,179,5162015Revenue 2016: $91,622,709Expenses 2016: $72,923,183Net Income 2016: $18,699,5262016Revenue 2017: $96,310,989Expenses 2017: $80,580,199Net Income 2017: $15,730,7902017Revenue 2018: $102,329,240Expenses 2018: $86,222,533Net Income 2018: $16,106,7072018Revenue 2019: $118,064,717Expenses 2019: $101,425,758Net Income 2019: $16,638,9592019Revenue 2020: $140,292,462Expenses 2020: $121,217,100Net Income 2020: $19,075,3622020Revenue 2021: $114,626,988Expenses 2021: $104,236,674Net Income 2021: $10,390,3142021Revenue 2022: $112,950,041Expenses 2022: $107,810,551Net Income 2022: $5,139,4902022Revenue 2023: $145,149,155Expenses 2023: $137,818,872Net Income 2023: $7,330,2832023Revenue 2024: $163,813,640Expenses 2024: $160,494,045Net Income 2024: $3,319,5952024

Highlighted filing

2012

Revenue-
Expenses$67,849,589
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Nov 13, 2013
Return Version
2012v2.1
Gross Receipts
$82,351,160
Mission and Program Overview

Mission

A cooperative, organized for the purpose of promoting thrift and savings among its members, creating a source of credit for them at rates of interest set by the board of directors, and providing an opportunity for them to use and control their own money on a democratic basis in order to improve their economic and social conditions. As a cooperative, provident credit union conducts its business for the mutual benefit and general welfare of its members with the earnings, savings, benefits, or services of the credit union being distributed to its members as patrons.

Major Activities

Activity 2
Provident offers a "portable loan" program which allows members to keep their original loan when they sell a home and buy another one. The loan balance transferred to the new property is the remaining balance on the first property. If the second property requires a higher loan, the old loan will be supplemented with a heloc to make up the difference. The benefit to members is to be able to take a low rate loan to another property if their cost will be lower by doing so than new financing for their new property.
Activity 3
Provident has a program to modify rates on certain portfolio mortgage loans allowing members to benefit from rate drops without going through a complete refinance process.
Filing and Contact Details

Filer

EIN
94-1482957
Raw XML AppendixShowing 400 of 1,034 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/Activity2/Description0PROVIDENT OFFERS A "PORTABLE LOAN" PROGRAM WHICH ALLOWS MEMBERS TO KEEP THEIR ORIGINAL LOAN WHEN THEY SELL A HOME AND BUY ANOTHER ONE. THE LOAN BALANCE TRANSFERRED TO THE NEW PROPERTY IS THE REMAINING BALANCE ON THE FIRST PROPERTY. IF THE SECOND PROPERTY REQUIRES A HIGHER LOAN, THE OLD LOAN WILL BE SUPPLEMENTED WITH A HELOC TO MAKE UP THE DIFFERENCE. THE BENEFIT TO MEMBERS IS TO BE ABLE TO TAKE A LOW RATE LOAN TO ANOTHER PROPERTY IF THEIR COST WILL BE LOWER BY DOING SO THAN NEW FINANCING FOR THEIR NEW PROPERTY.
IRS990/Activity3/Description0PROVIDENT HAS A PROGRAM TO MODIFY RATES ON CERTAIN PORTFOLIO MORTGAGE LOANS ALLOWING MEMBERS TO BENEFIT FROM RATE DROPS WITHOUT GOING THROUGH A COMPLETE REFINANCE PROCESS.
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Document Assets

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Filings

Displayed year

2012 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$1,725,684,280
Liabilities
$1,512,353,747
Net assets
$213,330,533
Revenue
-
Expenses
$67,849,589
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$3,546$3,189$357$164$160$3.32
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3,497$3,160$337$145$138$7.33
2022Detailed filing. Detailed filing data is available for this year.$3,511$3,210$301$113$108$5.14
2021Detailed filing. Detailed filing data is available for this year.$3,537$3,196$341$115$104$10.4
2020Detailed filing. Detailed filing data is available for this year.$3,318$2,977$341$140$121$19.1
2019Detailed filing. Detailed filing data is available for this year.$2,796$2,475$321$118$101$16.6
2018Detailed filing. Detailed filing data is available for this year.$2,600$2,303$297$102$86.2$16.1
2017Detailed filing. Detailed filing data is available for this year.$2,385$2,103$282$96.3$80.6$15.7
2016Detailed filing. Detailed filing data is available for this year.$2,284$2,013$271$91.6$72.9$18.7
2015Detailed filing. Detailed filing data is available for this year.$2,125$1,873$252$80.1$63.9$16.2
2014Detailed filing. Detailed filing data is available for this year.$2,032$1,796$236$74.1$63.2$10.9
2013Detailed filing. Detailed filing data is available for this year.$1,902$1,678$224$74.4$62.5$11.9
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,726$1,512$213$67.8
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,516$1,318$199$66.4
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,626$1,438$188$81.4