Civic Intelligence

Provident Credit Union

990 • Fiscal year 2016 • EIN 94-1482957

Jan 01, 2016 to Dec 31, 2016 • Filed on Nov 13, 2017

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

21st percentile

0.88x

Higher debt load relative to assets than 21% of similar nonprofits.

2016 filings • 501(c)14 • $1B+ nonprofits • Source year 2016

Liabilities / Revenue

71st percentile

21.97x

Higher debt load relative to revenue than 71% of similar nonprofits.

2016 filings • 501(c)14 • $1B+ nonprofits • Source year 2016

Net Margin

60th percentile

20%

Higher net margin than 60% of similar nonprofits.

2016 filings • 501(c)14 • $1B+ nonprofits • Source year 2016

Top Officer Pay

45th percentile

$765,745

Higher top officer pay than 45% of similar nonprofits.

Top officer pay equals 0.8% of source-year revenue.

2016 filings • 501(c)14 • $1B+ nonprofits • Source year 2016

Asset Growth

37th percentile

7.5%

Faster asset growth than 37% of similar nonprofits.

2016 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2015 to 2016

Revenue Growth

78th percentile

14%

Faster revenue growth than 78% of similar nonprofits.

2016 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets21st percentile

Assets

Up

$2,283,897,433

Up $158,922,013 (+7.5%) from 2015

Net Assets

Up

$270,847,994

Up $19,342,058 (+7.7%) from 2015

Liabilities

Up

$2,013,049,439

Up $139,579,955 (+7.5%) from 2015

Revenue And Expenses
Liabilities / Revenue71st percentileNet Margin60th percentile

Revenue

Up

$91,622,709

Up $11,499,617 (+14%) from 2015

Expenses

Up

$72,923,183

Up $8,979,607 (+14%) from 2015

Net Income

Up

$18,699,526

Up $2,520,010 (+16%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth37th 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

2016

Assets$2,283,897,433
Liabilities$2,013,049,439
Net Assets$270,847,994
Open 2016 Filing

Operations Trend

Revenue Growth78th 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

2016

Revenue$91,622,709
Expenses$72,923,183
Net Income$18,699,526
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Nov 13, 2017
Return Version
2016v3.0
Gross Receipts
$91,622,709
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$1,271,683,596$1,431,296,662▲ $159,613,066
Investments in Publicly Traded Securities$642,088,799$626,765,963▼ $15,322,836
Rtn Earn Endowment Incm Other Fnds$251,505,936$270,847,994▲ $19,342,058
Savings and Temporary Cash Investments$140,515,131$152,679,915▲ $12,164,784
Land, Buildings, and Equipment, Net$33,429,984$34,101,528▲ $671,544
Receivables From Officers Etc$5,758,295$5,488,849▼ $269,446
Cash and Non-Interest-Bearing Accounts$4,305,393$3,937,001▼ $368,392
Prepaid Expenses and Deferred Charges$2,684,134$2,990,665▲ $306,531
Intangible Assets$2,258,912$2,120,825▼ $138,087
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$2,124,975,420$2,283,897,433▲ $158,922,013
Other Assets Total$22,251,176$24,516,025▲ $2,264,849
Liabilities
Other Liabilities$1,855,897,925$1,988,678,984▲ $132,781,059
Accounts Payable and Accrued Expenses$17,571,559$24,370,455▲ $6,798,896
Total Liabilities$1,873,469,484$2,013,049,439▲ $139,579,955
Net Assets / Fund Balance
Total Net Assets Fund Balance$251,505,936$270,847,994▲ $19,342,058
Total Liabilities and Net Assets / Fund Balance$2,124,975,420$2,283,897,433▲ $158,922,013

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$19,031,229$16,510,873$35,542,102
Equipment$6,328,790$13,980,473$20,309,263
Leasehold Improvements$1,230,529$7,154,120$8,384,649
Land$7,510,980-$7,510,980
Investment Program Related Org$8,259,800--
Compensation and Service Providers
Top Officer Pay45th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Wayne BunkerPresident/CEOFT$510,257$255,488$765,745
James ErnestEvp/COOFT$300,634$349,915$650,549
Fred GomesSVP CFOFT$272,401$309,422$581,823
Mohamad SangabiSenior Mortgage ConsultantFT$50,187$367,444$417,631
Heidi ParksSVPFT$237,711$135,151$372,862
Connie FinchVP System & TechnologyFT$229,594$119,019$348,613
David Herrera JrVP LendingFT$215,579$103,469$319,048
John HaggartyVP MarketingFT$189,480$123,661$313,141
Robert Bernard KettmannMortgage Production Sales ManagerFT$89,058$221,564$310,622
Jennifer LeeVP FinanceFT$206,237$98,803$305,040
Celia TanakaVP, Hr & TrainingFT$119,141$166,590$285,731
Fatemeh Asad SangabiMortgage ConsultantFT$26,627$236,089$262,716
Lan FigueroaPersonal Acct OfficerFT$49,828$204,742$254,570
Greg Kent MccurdyAvp Real EstateFT$169,028$72,684$241,712
Raymond Kenneth WilkersonMortgage ConsultantFT$42,400$177,767$220,167

Board Members and Trustees

NameTitle
Fred MarcussenChairman
Andrea KenterSupv Cmte Chair
George DescalsoSupv Cmte Vice Chair
Robert LanzoneVice Chairman
Christine BolandDirector
David BuckmasterDirector
Janet MathisDirector
June RotheDirector
Samuel Johnson JrDirector
Lawrence TesharaSecretary
Scott McwhirterSupv Cmte Member
Scott ObrienSupv Cmte Member
Oliver Bouligny IiiSupv Cmte Secretary
David PelznerTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Fiserv SolutionsCore System75 REMITTANCE DRIVE STE 6945, Chicago, IL 60675$485,714
PsgAppraisers395 TAYLOR BLVD SUITE 250, Pleasant Hill, CA 94523$469,450
ProformaMarketing ServicesPO BOX 51925, Los Angeles, CA 90051$462,502
Info Image INCStatement/coupon Printing141 JEFFERSON DRIVE, Menlo Park, CA 94025$409,601
Eplus Technology INCTechnology Services13595 DULLES TECHNOLOGY DR, Herndon, VA 20171$361,173
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$76,119,181
Investment Income
$11,904,757
Other Revenue
$3,598,771
Change in Net Assets
$18,699,526
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$40,431,775
Salaries, Compensation, and Employee Benefits$32,390,548
Grants and Similar Amounts Paid$100,860
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$20,073,328
Interest---$9,689,594
Office Expenses---$6,603,867
Current Officers, Directors, Trustees, and Key Employees---$4,965,811
Occupancy---$4,723,750
Other Employee Benefits---$4,483,505
Depreciation Depletion---$3,183,569
Fees for Services Other---$2,390,832
Advertising---$2,120,645
Payroll Taxes---$1,867,971
Information Technology---$1,463,021
Pension Plan Contributions---$999,933
Travel---$481,572
Other Expenses---$199,981
Fees for Services Accounting---$179,468
Fees for Services Legal---$134,007
Grants to Domestic Orgs---$81,360
Grants to Domestic Individuals---$19,500
Total Functional Expenses$0$0$0$72,923,183
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
San Mateo County Chamber of CommerceRedwood City, CA501(c)(6)To Promote Economic Prosperity for the Community$20,000
San Mateo County Economic Development AssociationBelmont, CA501(c)(4)To Promote Business Issues That Enhance and Sustain the Economic Prosperity of Our Region and Its Local Communities.to Promote Business Issues That Enhance and Sustain the Economic Prosperity of Our Region and Its Local Communities.$5,500
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$500
Total Exempt Function Spending$500

Section 527 Organizations

OrganizationLocationAmount
94-2329967Sacramento, CA$500
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$5,758,295$5,488,849▼ $269,446
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Share Deposits$1,988,564,339
Accrued Dividends on Interest Payable$114,645
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 11B

“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
2017-11-13
Discuss with paid preparer
Yes

Organization Details

Principal Officer
James L Ernest
Formed
1950
Legal Domicile
CA
Voting Board Members
9
Independent Board Members
9
Employees
425
Volunteers
14

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. For the years ended december 31, 2016 and 2015, 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 1,084 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 $300 IN PURCHASES USING THEIR DEBIT OR CREDIT 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/TitleTxt8DIRECTOR
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IRS990/Form990PartVIISectionAGrp/TitleTxt12SUPV CMTE MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt13SUPV CMTE MEMBER
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IRS990/Form990PartVIISectionAGrp/TitleTxt17SVP
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IRS990/Form990PartVIISectionAGrp/TitleTxt19VP LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt20VP FINANCE
IRS990/Form990PartVIISectionAGrp/TitleTxt21VP, HR & TRAINING
IRS990/Form990PartVIISectionAGrp/TitleTxt22VP MARKETING
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IRS990/Form990PartVIISectionAGrp/TitleTxt28MORTGAGE CONSULTANT
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Document Assets

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Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$2,283,897,433
Liabilities
$2,013,049,439
Net assets
$270,847,994
Revenue
$91,622,709
Expenses
$72,923,183
Net income
$18,699,526
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