Civic Intelligence

Provident Credit Union

990 • Fiscal year 2014 • EIN 94-1482957

Jan 01, 2014 to Dec 31, 2014 • Filed on Oct 26, 2015

Organization ProfileWWW.PROVIDENTCU.ORG

View Organization Page

303 Twin Dolphin DriveRedwood City, CA 94063

(650) 508-0300

Siviq Scores

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

Liabilities / Assets

30th percentile

0.88x

Higher debt load relative to assets than 30% of similar nonprofits.

2014 filings • 501(c)14 • $1B+ nonprofits • Source year 2014

Liabilities / Revenue

79th percentile

24.25x

Higher debt load relative to revenue than 79% of similar nonprofits.

2014 filings • 501(c)14 • $1B+ nonprofits • Source year 2014

Net Margin

28th percentile

15%

Higher net margin than 28% of similar nonprofits.

2014 filings • 501(c)14 • $1B+ nonprofits • Source year 2014

Top Officer Pay

55th percentile

$819,568

Higher top officer pay than 55% of similar nonprofits.

Top officer pay equals 1.1% of source-year revenue.

2014 filings • 501(c)14 • $1B+ nonprofits • Source year 2014

Asset Growth

52nd percentile

6.8%

Faster asset growth than 52% of similar nonprofits.

2014 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2013 to 2014

Revenue Growth

21st percentile

-0.5%

Faster revenue growth than 21% of similar nonprofits.

2014 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets30th percentile

Assets

Up

$2,032,003,563

Up $130,023,177 (+6.8%) from 2013

Net Assets

Up

$236,083,001

Up $12,443,382 (+5.6%) from 2013

Liabilities

Up

$1,795,920,562

Up $117,579,795 (+7.0%) from 2013

Revenue And Expenses
Liabilities / Revenue79th percentileNet Margin28th percentile

Revenue

Down

$74,066,430

Down $356,084 (-0.5%) from 2013

Expenses

Up

$63,200,400

Up $698,814 (+1.1%) from 2013

Net Income

Down

$10,866,030

Down $1,054,898 (-8.8%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth52nd 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

2014

Assets$2,032,003,563
Liabilities$1,795,920,562
Net Assets$236,083,001
Open 2014 Filing

Operations Trend

Revenue Growth21st percentile

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

2014

Revenue$74,066,430
Expenses$63,200,400
Net Income$10,866,030
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Oct 26, 2015
Return Version
2014v5.0
Gross Receipts
$74,066,430
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.

A cooperative, organized for the purpose of promoting thrift and savings among its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Program Related$1,099,545,082$1,175,275,933▲ $75,730,851
Investments in Publicly Traded Securities$556,899,554$636,788,554▲ $79,889,000
Rtn Earn Endowment Incm Other Fnds$223,639,619$236,083,001▲ $12,443,382
Savings and Temporary Cash Investments$176,471,013$151,550,570▼ $24,920,443
Land, Buildings, and Equipment, Net$33,476,332$32,316,760▼ $1,159,572
Cash and Non-Interest-Bearing Accounts$4,600,664$5,514,092▲ $913,428
Receivables From Officers Etc$5,028,040$4,900,074▼ $127,966
Intangible Assets$2,535,087$2,397,000▼ $138,087
Prepaid Expenses and Deferred Charges$2,283,836$2,207,364▼ $76,472
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$1,901,980,386$2,032,003,563▲ $130,023,177
Other Assets Total$21,140,778$21,053,216▼ $87,562
Liabilities
Other Liabilities$1,665,158,645$1,779,728,752▲ $114,570,107
Accounts Payable and Accrued Expenses$13,182,122$16,191,810▲ $3,009,688
Total Liabilities$1,678,340,767$1,795,920,562▲ $117,579,795
Net Assets / Fund Balance
Total Net Assets Fund Balance$223,639,619$236,083,001▲ $12,443,382
Total Liabilities and Net Assets / Fund Balance$1,901,980,386$2,032,003,563▲ $130,023,177

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$20,898,633$14,505,924$35,404,557
Equipment$2,779,900$19,020,249$21,800,149
Leasehold Improvements$1,127,247$7,386,471$8,513,718
Land$7,510,980-$7,510,980
Investment Program Related Org$3,278,000--
Compensation and Service Providers
Top Officer Pay55th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Wayne BunkerPresident/CEOFT$467,407$352,161$819,568
James ErnestEvp/COOFT$280,328$180,545$460,873
Fred GomesSVP CFOFT$236,449$156,128$392,577
Heidi ParksSVPFT$221,554$145,164$366,718
Connie FinchVP System & TechnologyFT$205,385$100,931$306,316
David Herrera JrVP LendingFT$200,649$102,710$303,359
Celia TanakaVP, Hr & TrainingFT$186,065$96,230$282,295
Mohamad SangabiSenior Mortgage ConsultantFT$49,095$210,654$259,749
John HaggartyVP MarketingFT$164,069$92,898$256,967
Jennifer LeeVP FinanceFT$182,368$43,124$225,492
Greg Kent MccurdyAvp Real EstateFT$155,934$39,852$195,786
Janell Bernice BautistaVP Quality ServiceFT$145,978$45,823$191,801
Iris SolanoAvp Systm & TelephonyFT$141,025$47,896$188,921
Jesus CerpaAvp ApplicationsFT$132,422$52,744$185,166
Robert Bernard KettmannSenior Mortgage ConsultantFT$47,220$120,331$167,551

Board Members and Trustees

NameTitle
David BuckmasterChairman
Scott McwhirterSupv Cmte Chair
Fred MarcussenVice Chairman
Christine BolandDirector
David PelznerDirector
Janet MathisDirector
June RotheDirector
Samuel Johnson JrDirector
Robert LanzoneSecretary
Andrea KenterSupv Cmte Member
George DescalsoSupv Cmte Member
Scott ObrienSupv Cmte Member
Lawrence TesharaTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Fiserve SolutionsCore System75 REMITTANCE DRIVE STE 6945, Chicago, IL 60675$734,736
Official PaymentsOnline Bill Pay ServicePO BOX 418410, Boston, MA 02241$679,839
Eplus Technology INCMonitor Network DevisedFILE 56861, Los Angeles, CA 90074$485,307
Info ImageStatement Printing141 JEFFERSON DRIVE, Menlo Park, CA 94025$395,045
Property Sciences GroupReal Estate Appraisals395 TAYLOR BLVD STE 250, Pleasant Hill, CA 94523$342,608
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$60,800,293
Investment Income
$7,575,481
Other Revenue
$5,690,656
Change in Net Assets
$10,866,030
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$35,618,569
Salaries, Compensation, and Employee Benefits$27,476,814
Grants and Similar Amounts Paid$105,017
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$17,043,903
Interest---$8,407,483
Office Expenses---$6,985,016
Occupancy---$4,351,394
Other Employee Benefits---$4,104,698
Current Officers, Directors, Trustees, and Key Employees---$3,782,125
Depreciation Depletion---$3,030,339
Fees for Services Other---$2,087,016
Advertising---$1,995,580
Payroll Taxes---$1,638,501
Information Technology---$1,243,809
Pension Plan Contributions---$907,587
Travel---$540,541
Fees for Services Accounting---$161,586
Grants to Domestic Orgs---$82,517
Fees for Services Legal---$78,976
Grants to Domestic Individuals---$22,500
Other Expenses---$1,096
Total Functional Expenses$0$0$0$63,200,400
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
San Mateo County Chamber of CommerceRedwood City, CA501(c)(3)To Promote Economic Prosperity for the Community$21,200
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
Yes
Subject to proxy tax
No

Reported Spending and Taxes

Line ItemAmount
Political Expenditures$10,847
Total Exempt Function Spending$10,847

Section 527 Organizations

OrganizationLocationAmount
94-0357265Ontario, CA$10,347
94-2329967Sacramento, CA$500
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$5,028,040$4,900,074▼ $127,966
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Share Deposits$1,779,606,327
Accrued Dividends on Interest Payable$122,425
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
Yes
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Provident credit union is a cooperative financial institution that is owned and controlled by its members, and operated for the purpose of promoting thrift and savings to its members. Provident credit union does not have stockholders.”

Form 990, Part VI, Section A, Line 7A

“The governing board of provident credit union is comprised of volunteer members who are directly elected by its members. Each member of the governing board serves for a period as prescribed by our by-laws.”

Form 990, Part VI, Section A, Line 7B

“At the end of each term of the board members, elections are held and board members are voted by the members of the credit union pursuant to its by-laws. Member votes are also required to ratify decisions dealing with reorganizations as in the case of merger or dissolution.”

Form 990, Part VI, Section B, Line 11

“Each board member will receive a completed draft of the form 990 for review and be given an opportunity to suggest corrections or revisions prior to filing each year.”

Form 990, Part VI, Section B, Line 12C

“All staff are required to sign a conflict of interest form on an annual basis. In addition, our policy requires that we be notified within 10 days of any event or circumstance that may result in a conflict of interest.”

Form 990, Part VI, Section B, Line 15

“We subscribe to numerous compensation surveys for officers and key employees. These are reviewed and compared to current salary levels. In addition, an annual evaluation of each person's performance is completed including one for the ceo done by the board. The budget is also a large component of this decision.”

Form 990, Part VI, Section C, Line 18

“Financial statements are posted in each branch office and on the web. The other documents would be available on a case by case basis.”

Form 990, Part VI, Section C, Line 19

“Financial statememts are posted in each branch office and on the web. The governing documents and conflicts of interest policies are made available on a case by case basis.”

Filing and Contact Details

Filer

Filer Name
Provident Credit Union
EIN
94-1482957
Phone
6505080300
Address
303 TWIN DOLPHIN DRIVE, REDWOOD CITY, CA 94063

Signing Officer

Name
Fred Gomes
Title
SVP/CFO
Phone
6505080300
Signed
2015-10-26
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Wayne Bunker
Formed
1950
Legal Domicile
CA
Voting Board Members
9
Independent Board Members
9
Employees
374
Volunteers
13

Preparer

Firm
Turner Warren Hwang & Conrad Acctcy
Address
100 NORTH FIRST ST STE 202, BURBANK, CA 91502
Preparer
Valentino Creus CPA
Phone
8189549700
Supplemental Narrative

Additional Explanations

FORM 990, PART XII, LINE 2C:

“The organization has not changed either its oversight process or selection process during the tax year.”

Financial Statement Notes

PART X, LINE 2:

“Asc 740-10-65, income taxes, provides guidance for how uncertain tax positions should be recognized, measured, disclosed and presented in the consolidated financial statements. This requires the evaluation of tax positions taken or expected to be taken in the course of preparing the credit union's tax returns to determine whether the tax positions are "more likely than not" of being sustained "when challenged" or "when examined" by the applicable tax authority. Tax positions deemed to not meet the more-likely-than- not threshold would be recorded as a tax expense and liability in the current year. The credit union is generally no longer subject to examination by federal tax authorities for years before 2011 and by state tax authorities before 2010. For the years ended december 31, 2014 and 2013, management has determined that there are no material uncertain tax positions, and accordingly, the credit union has not recorded a liability for the payment of interest or penalties.”

Raw XML AppendixShowing 400 of 999 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/Desc0PROVIDENT OFFERS A SUPER REWARDS CHECKING ACCOUNT WHICH PAYS MEMBERS HIGH RATES ON THEIR CHECKING ACCOUNTS IF THEY QUALIFY BY MAKING AT LEAST 10 POINT OF SALE PURCHASES (DEBIT CARD) PER MONTH, HAVING DIRECT DEPOSIT OR BILL PAY EACH MONTH, AND RECEIVING AN E-STATEMENT INSTEAD OF A PAPER ONE. THIS ACCOUNT ACCRUES FINANCIAL BENEFITS TO MEMBERS AND SUPPORTS ENVIRONMENTALLY FRIENDLY BEHAVIOR BY ENCOURAGING VIRTUAL TRANSACTIONS VERSUS PAPER CHECKS, ELIMINATING PAPER AND MAILING COSTS FOR STATEMENTS, AND INCREASING ACCOUNT SECURITY FOR MEMBERS BY ELIMINATING VULNERABILITY TO IDENTITY THEFT THROUGH STOLEN MAILED STATEMENTS.
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IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
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IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
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IRS990/Form990PartVIISectionAGrp/TitleTxt10SUPV CMTE MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt11SUPV CMTE MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt12SUPV CMTE MEMBER
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IRS990/Form990PartVIISectionAGrp/TitleTxt14EVP/COO
IRS990/Form990PartVIISectionAGrp/TitleTxt15SVP CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt16SVP
IRS990/Form990PartVIISectionAGrp/TitleTxt17VP SYSTEM & TECHNOLOGY
IRS990/Form990PartVIISectionAGrp/TitleTxt18VP LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt19VP, HR & TRAINING
IRS990/Form990PartVIISectionAGrp/TitleTxt20VP FINANCE
IRS990/Form990PartVIISectionAGrp/TitleTxt21VP MARKETING
IRS990/Form990PartVIISectionAGrp/TitleTxt22VP QUALITY SERVICE
IRS990/Form990PartVIISectionAGrp/TitleTxt23SENIOR MORTGAGE CONSULTANT
IRS990/Form990PartVIISectionAGrp/TitleTxt24AVP REAL ESTATE
IRS990/Form990PartVIISectionAGrp/TitleTxt25AVP SYSTM & TELEPHONY
IRS990/Form990PartVIISectionAGrp/TitleTxt26SENIOR MORTGAGE CONSULTANT
IRS990/Form990PartVIISectionAGrp/TitleTxt27AVP APPLICATIONS
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Document Assets

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Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$2,032,003,563
Liabilities
$1,795,920,562
Net assets
$236,083,001
Revenue
$74,066,430
Expenses
$63,200,400
Net income
$10,866,030
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