Civic Intelligence

Provident Credit Union

990 • Fiscal year 2018 • EIN 94-1482957

Jan 01, 2018 to Dec 31, 2018 • Filed on Nov 12, 2019

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

36th percentile

0.89x

Higher debt load relative to assets than 36% of similar nonprofits.

2018 filings • 501(c)14 • $1B+ nonprofits • Source year 2018

Liabilities / Revenue

89th percentile

22.50x

Higher debt load relative to revenue than 89% of similar nonprofits.

2018 filings • 501(c)14 • $1B+ nonprofits • Source year 2018

Net Margin

27th percentile

16%

Higher net margin than 27% of similar nonprofits.

2018 filings • 501(c)14 • $1B+ nonprofits • Source year 2018

Top Officer Pay

38th percentile

$788,193

Higher top officer pay than 38% of similar nonprofits.

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

2018 filings • 501(c)14 • $1B+ nonprofits • Source year 2018

Asset Growth

67th percentile

9.0%

Faster asset growth than 67% of similar nonprofits.

2018 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2017 to 2018

Revenue Growth

5th percentile

6.2%

Faster revenue growth than 5% of similar nonprofits.

2018 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets36th percentile

Assets

Up

$2,599,866,298

Up $214,377,587 (+9.0%) from 2017

Net Assets

Up

$297,267,501

Up $15,240,735 (+5.4%) from 2017

Liabilities

Up

$2,302,598,797

Up $199,136,852 (+9.5%) from 2017

Revenue And Expenses
Liabilities / Revenue89th percentileNet Margin27th percentile

Revenue

Up

$102,329,240

Up $6,018,251 (+6.2%) from 2017

Expenses

Up

$86,222,533

Up $5,642,334 (+7.0%) from 2017

Net Income

Up

$16,106,707

Up $375,917 (+2.4%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth67th 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

2018

Assets$2,599,866,298
Liabilities$2,302,598,797
Net Assets$297,267,501
Open 2018 Filing

Operations Trend

Revenue Growth5th 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

2018

Revenue$102,329,240
Expenses$86,222,533
Net Income$16,106,707
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
Nov 12, 2019
Return Version
2018v3.1
Gross Receipts
$102,331,294
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$1,509,726,406$1,728,562,958▲ $218,836,552
Investments in Publicly Traded Securities$669,662,796$629,196,263▼ $40,466,533
Rtn Earn Endowment Incm Other Fnds$282,026,766$297,267,501▲ $15,240,735
Savings and Temporary Cash Investments$136,737,238$171,490,022▲ $34,752,784
Land, Buildings, and Equipment, Net$32,704,182$32,022,122▼ $682,060
Receivables From Officers Etc$5,232,339$5,842,964▲ $610,625
Cash and Non-Interest-Bearing Accounts$3,920,052$4,708,947▲ $788,895
Prepaid Expenses and Deferred Charges$2,762,605$3,239,669▲ $477,064
Intangible Assets$1,986,954$1,905,373▼ $81,581
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$2,385,488,711$2,599,866,298▲ $214,377,587
Other Assets Total$22,756,139$22,897,980▲ $141,841
Liabilities
Other Liabilities$2,081,042,971$2,278,583,890▲ $197,540,919
Accounts Payable and Accrued Expenses$22,418,974$24,014,907▲ $1,595,933
Total Liabilities$2,103,461,945$2,302,598,797▲ $199,136,852
Net Assets / Fund Balance
Total Net Assets Fund Balance$282,026,766$297,267,501▲ $15,240,735
Total Liabilities and Net Assets / Fund Balance$2,385,488,711$2,599,866,298▲ $214,377,587

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$17,572,474$18,843,636$36,416,110
Equipment$5,707,166$12,531,191$18,238,357
Leasehold Improvements$1,231,502$7,944,444$9,175,946
Land$7,510,980-$7,510,980
Investment Program Related Org$257,500--
Compensation and Service Providers
Top Officer Pay38th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
James ErnestPresident/CEOFT$602,092$186,101$788,193
Fred GomesSVP CFOFT$241,107$173,483$414,590
Heidi ParksSVPFT$254,141$134,155$388,296
Sangabi Mohamad aSr. Mortgage Cons.FT$50,862$326,013$376,875
Connie K FinchVP Systems & TechFT$234,419$123,237$357,656
Jennifer LeeVP FinanceFT$236,627$120,184$356,811
John HaggartyVP MarketingFT$211,726$121,094$332,820
David Herrera JrSr. Mortgage Cons.FT$106,192$212,930$319,122
John Paul ReillyVP Bs&oFT$198,590$106,584$305,174
Robert Bernard KettmannMortgage Production Sales ManagerFT$99,489$162,369$261,858
James Paul TraceskiVP, Human ResourcesFT$195,948$49,604$245,552
Shalini Sahdeo NarayanVP Service QualityFT$169,234$74,172$243,406
Greg Kent MccurdyVP LendingFT$188,629$54,323$242,952
Fatemeh Asad SangabiMortgage Counselor IFT$31,971$176,448$208,419
Lan FigueroaPersonal Account OfficerFT$47,418$159,431$206,849
Christine M KeaneVP Risk ManagementFT$143,298$55,876$199,174

Board Members and Trustees

NameTitle
Robert LanzoneChairman
Andrea KenterSupv Cmte Chair
Lawrence TesharaVice Chairman
Christine BolandBoard Member
David BuckmasterBoard Member
Janet MathisBoard Member
Samuel Johnson JrBoard Member
Scott ObrienBoard Member
David PelznerSecretary
George DescalsoSupv Cmte
Oliver Bouligny IiiSupv Cmte
Scott McwhirterSupv Cmte
June RotheTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Optiv SecurityInternet ProtectionPO BOX 28216 NETWORK PLACE, Chicago, IL 60673-1282$792,750
Eplus Technology INCTechnology Services13595 DULLES TECHNOLOGY DRIVE, Herndon, VA 20171$619,491
ShamrockPostage And Marketing MailingsPO BOX 6119, Hermitage, PA 16148$613,241
Securitas ElectSecurity Installation & MaintenancePO BOX 643731, Pittsburgh, PA 15264$605,603
Info ImageStatement/coupon Printing141 JEFFERSON DRIVE, Menlo Park, CA 94025$547,280
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$83,831,557
Investment Income
$15,436,254
Other Revenue
$3,061,429
Change in Net Assets
$16,106,707
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$51,690,763
Salaries, Compensation, and Employee Benefits$34,372,020
Grants and Similar Amounts Paid$159,750
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$21,519,193
Interest---$15,217,234
Office Expenses---$6,574,618
Other Employee Benefits---$5,343,042
Occupancy---$5,055,724
Current Officers, Directors, Trustees, and Key Employees---$4,553,561
Depreciation Depletion---$3,827,400
Fees for Services Other---$3,138,659
Advertising---$2,856,637
Pension Plan Contributions---$2,007,401
Information Technology---$1,970,402
Payroll Taxes---$948,823
Travel---$562,855
Other Expenses---$233,589
Fees for Services Accounting---$233,589
Fees for Services Legal---$174,735
Grants to Domestic Orgs---$101,250
Grants to Domestic Individuals---$58,500
Total Functional Expenses$0$0$0$86,222,533
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Oakland AthleticsOakland, CA501(c)(3)To Support Local Community Events$20,000
American Cancer SocietyCampbell, CA501(c)(3)To Support Cancer Research$15,000
American Heart AssociationPrescott, AZ501(c)(3)Annual Heart Walk$11,500
CHILDREN'S MIRACLE NETWORK HOSPITALSOntario, CA501(c)(3)To Support Building Healthier Futures for Children$8,800
San Mateo County Community College FoundationSan Mateo, CA501(c)(3)To Provide Financial Support to Promote Student Success$7,500
Spartan Foundation IncSan Jose, CA501(c)(3)To Provide Financial Support Towards Scholarship Assistance.$7,500
Samaritan HouseSan Mateo, CA501(c)(3)Mobilize All Available Resources and Work to Break the Cycle of Poverty$5,000
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
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$5,232,339$5,842,964▲ $610,625
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Share Deposits$2,277,852,582
Accrued Dividends on Interest Payable$731,308
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
CFO
Phone
6505080300
Signed
2019-11-12
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
429
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:

“Fasb 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 should be recorded as a tax expense and liability in the current year. For the years ended december 31, 2018 and 2017, 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 1,150 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/PersonNm6JANET MATHIS
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IRS990/Form990PartVIISectionAGrp/PersonNm20JAMES PAUL TRACESKI
IRS990/Form990PartVIISectionAGrp/PersonNm21GREG KENT MCCURDY
IRS990/Form990PartVIISectionAGrp/PersonNm22SHALINI SAHDEO NARAYAN
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IRS990/Form990PartVIISectionAGrp/PersonNm26ROBERT BERNARD KETTMANN
IRS990/Form990PartVIISectionAGrp/PersonNm27LAN FIGUEROA
IRS990/Form990PartVIISectionAGrp/PersonNm28FATEMEH ASAD SANGABI
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IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt7BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt8BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt9SUPV CMTE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt10SUPV CMTE
IRS990/Form990PartVIISectionAGrp/TitleTxt11SUPV CMTE
IRS990/Form990PartVIISectionAGrp/TitleTxt12SUPV CMTE
IRS990/Form990PartVIISectionAGrp/TitleTxt13PRESIDENT/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt14SVP CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt15SVP
IRS990/Form990PartVIISectionAGrp/TitleTxt16VP FINANCE
IRS990/Form990PartVIISectionAGrp/TitleTxt17VP SYSTEMS & TECH
IRS990/Form990PartVIISectionAGrp/TitleTxt18VP MARKETING
IRS990/Form990PartVIISectionAGrp/TitleTxt19VP BS&O
IRS990/Form990PartVIISectionAGrp/TitleTxt20VP, HUMAN RESOURCES
IRS990/Form990PartVIISectionAGrp/TitleTxt21VP LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt22VP SERVICE QUALITY
IRS990/Form990PartVIISectionAGrp/TitleTxt23VP RISK MANAGEMENT
IRS990/Form990PartVIISectionAGrp/TitleTxt24SR. MORTGAGE CONS.
IRS990/Form990PartVIISectionAGrp/TitleTxt25SR. MORTGAGE CONS.
IRS990/Form990PartVIISectionAGrp/TitleTxt26MORTGAGE PRODUCTION SALES MANAGER
IRS990/Form990PartVIISectionAGrp/TitleTxt27PERSONAL ACCOUNT OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt28MORTGAGE COUNSELOR I
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IRS990/OtherSalariesAndWagesGrp/TotalAmt021519193

Document Assets

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Filings

Displayed year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$2,599,866,298
Liabilities
$2,302,598,797
Net assets
$297,267,501
Revenue
$102,329,240
Expenses
$86,222,533
Net income
$16,106,707
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