Civic Intelligence

Provident Credit Union

990 • Fiscal year 2020 • EIN 94-1482957

Jan 01, 2020 to Dec 31, 2020 • Filed on Nov 04, 2021

Organization ProfileWWW.PROVIDENTCU.ORG

View Organization Page

303 Twin Dolphin DriveRedwood City, CA 94065

(650) 508-0300

Siviq Scores

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

Liabilities / Assets

45th percentile

0.90x

Higher debt load relative to assets than 45% of similar nonprofits.

2020 filings • 501(c)14 • $1B+ nonprofits • Source year 2020

Liabilities / Revenue

61st percentile

21.22x

Higher debt load relative to revenue than 61% of similar nonprofits.

2020 filings • 501(c)14 • $1B+ nonprofits • Source year 2020

Net Margin

43rd percentile

14%

Higher net margin than 43% of similar nonprofits.

2020 filings • 501(c)14 • $1B+ nonprofits • Source year 2020

Top Officer Pay

54th percentile

$971,662

Higher top officer pay than 54% of similar nonprofits.

Top officer pay equals 0.7% of source-year revenue.

2020 filings • 501(c)14 • $1B+ nonprofits • Source year 2020

Asset Growth

50th percentile

19%

Faster asset growth than 50% of similar nonprofits.

2020 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2019 to 2020

Revenue Growth

93rd percentile

19%

Faster revenue growth than 93% of similar nonprofits.

2020 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2019 to 2020

Balance Sheet
Liabilities / Assets45th percentile

Assets

Up

$3,317,870,698

Up $522,086,685 (+19%) from 2019

Net Assets

Up

$340,996,250

Up $20,187,873 (+6.3%) from 2019

Liabilities

Up

$2,976,874,448

Up $501,898,812 (+20%) from 2019

Revenue And Expenses
Liabilities / Revenue61st percentileNet Margin43rd percentile

Revenue

Up

$140,292,462

Up $22,227,745 (+19%) from 2019

Expenses

Up

$121,217,100

Up $19,791,342 (+20%) from 2019

Net Income

Up

$19,075,362

Up $2,436,403 (+15%) from 2019

Historical Trend

Balance Sheet Trend

Asset Growth50th 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

2020

Assets$3,317,870,698
Liabilities$2,976,874,448
Net Assets$340,996,250
Open 2020 Filing

Operations Trend

Revenue Growth93rd 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

2020

Revenue$140,292,462
Expenses$121,217,100
Net Income$19,075,362
Open 2020 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
Nov 4, 2021
Return Version
2020v4.1
Gross Receipts
$140,292,462
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$1,944,800,095$1,948,204,110▲ $3,404,015
Savings and Temporary Cash Investments$169,459,637$738,675,222▲ $569,215,585
Investments in Publicly Traded Securities$606,603,700$547,333,328▼ $59,270,372
Rtn Earn Endowment Incm Other Fnds$320,808,377$340,996,250▲ $20,187,873
Land, Buildings, and Equipment, Net$34,228,611$35,202,299▲ $973,688
Cash and Non-Interest-Bearing Accounts$4,584,313$9,389,728▲ $4,805,415
Receivables From Officers Etc$5,318,446$5,294,670▼ $23,776
Prepaid Expenses and Deferred Charges$5,157,758$4,803,107▼ $354,651
Intangible Assets$1,835,599$1,765,825▼ $69,774
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$2,795,784,013$3,317,870,698▲ $522,086,685
Other Assets Total$23,795,854$27,202,409▲ $3,406,555
Liabilities
Other Liabilities$2,452,295,836$2,940,639,002▲ $488,343,166
Accounts Payable and Accrued Expenses$22,679,800$36,235,446▲ $13,555,646
Total Liabilities$2,474,975,636$2,976,874,448▲ $501,898,812
Net Assets / Fund Balance
Total Net Assets Fund Balance$320,808,377$340,996,250▲ $20,187,873
Total Liabilities and Net Assets / Fund Balance$2,795,784,013$3,317,870,698▲ $522,086,685

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$16,115,833$21,137,497$37,253,330
Equipment$9,312,381$13,405,240$22,717,621
Leasehold Improvements$2,263,105$8,587,966$10,851,071
Land$7,510,980-$7,510,980
Investment Program Related Org$21,330,690--
Compensation and Service Providers
Top Officer Pay54th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
James ErnestPresident/CEOFT$740,539$231,123$971,662
Mohamad a SangabiSr. Mortgage ConsultantFT$179,154$667,551$846,705
Robert Bernard KettmannMortgage Production SalesFT$108,246$529,722$637,968
Fatemeh Asad SangabiSr. Mortgage ConsultantFT$151,368$478,730$630,098
Lan FigueroaSr. Mortgage ConsultantFT$66,668$494,887$561,555
Phuong Patricia JacobsMortgage Counselor IFT$140,207$362,814$503,021
Fred GomesSVPFT$279,888$154,882$434,770
Jennifer LeeCFOFT$298,298$129,237$427,535
Heidi ParksSVPFT$282,640$132,432$415,072
Connie K FinchVP Systems & TechFT$257,625$120,637$378,262
John Paul ReillyVP Bs&oFT$241,316$126,649$367,965
John HaggartyVP MarketingFT$224,087$131,297$355,384
Greg Kent MccurdyVP LendingFT$252,439$79,301$331,740
James Paul TraceskiVP Human ResourcesFT$224,584$89,317$313,901
Shalini Sahdeo NarayanVP Service QualityFT$211,395$69,850$281,245
Christine M KeaneVP Risk ManagementFT$158,017$76,436$234,453

Board Members and Trustees

NameTitle
David PelznerChairman
Scott McwhirterSupv Cmte Chair
June RotheVice Chairman
Andrea KenterBoard Member
Bob LanzoneBoard Member
David BuckmasterBoard Member
George DescalsoBoard Member
SCOTT O'BRIENBoard Member
Samuel Johnson JrSecretary
Oliver Bouligny IiiSupv Cmte
Rosanne FoustSupv Cmte
Christine BolandTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Eplus Technology INCTechnology ServicesFILE 56861, Los Angeles, CA 90074-6861$2,801,952
Regional Protection Agency ServicesSecurity Services6200 STONERIDGE MALL RD STE 30, Pleasanton, CA 94588$1,148,185
Microsoft CorporationInformation Technology1950 NORTH STEMMONS FWY SUITE 5010, Dallas, TX 75207$1,138,273
MpxPostage And Statement Production231 CONGRESS STREET, Portland, ME 04102$1,015,161
Webb Builders INCConstruction1494 ODDSTAD DRIVE, Redwood City, CA 94063$1,010,306
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$125,375,136
Investment Income
$10,291,972
Other Revenue
$4,625,354
Change in Net Assets
$19,075,362
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$75,692,813
Salaries, Compensation, and Employee Benefits$45,166,492
Grants and Similar Amounts Paid$357,795
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$28,196,735
Interest---$19,705,039
Office Expenses---$7,935,175
Current Officers, Directors, Trustees, and Key Employees---$6,946,721
Other Employee Benefits---$6,604,152
Occupancy---$6,569,744
Fees for Services Other---$6,164,243
Depreciation Depletion---$4,584,776
Advertising---$3,606,514
Information Technology---$3,084,852
Payroll Taxes---$2,193,219
Pension Plan Contributions---$1,225,665
Travel---$445,676
Fees for Services Accounting---$368,214
Other Expenses---$304,242
Grants to Domestic Orgs---$255,181
Fees for Services Legal---$216,298
Grants to Domestic Individuals---$102,614
Total Functional Expenses$0$0$0$121,217,100
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Samaritan HouseSan Mateo, CA501(c)(3)To Provide Food, Access to Shelter, Healthcare, and a Broad Range of Supportive Services.$24,393
Oakland Public Education FundOakland, CA501(c)(3)To Lead the Development and Investment of Community Resources in Oakland Public Schools So That All Students Can Learn, Grow, and Thrive.$23,096
My New Red ShoesRedwood City, CA501(c)(3)To Improve the Quality of Life and Well-being of Children and Youth Experiencing Economic Hardship.$20,000
Redwood City San Mateo County Chamber of CommerceRedwood City, CA501(c)(6)To Promote Business Issues That Enhance and Sustain the Economic Prosperity of Our Region and Its Local Communities.$17,500
Harbor HouseOakland, CA501(c)(3)To Provide a Safe Place for Opportunities, Resources, and Relationships So That All Families Can Flourish in Oakland.$15,000
Oakland Parks & RecreationOakland, CA501(c)(3)To Help Low-income Students Attend Summer Camps.$15,000
San Mateo County Economic Development AssociationSan Mateo, CA501(c)(4)Enhancing the Positive Business Climate and the Extraordinary Quality of Life in San Mateo County.$12,500
City Team OaklandSan Jose, CA501(c)(3)To Help Those Experiencing Homelessness, Poverty, Hunger, and Addiction in San Jose, Chester, San Francisco, Oakland, and Portland.$10,000
One Life Counseling -San Carlos, CA501(c)(3)To Provide Easy Access to Counseling, Education, an Opportunities to Connect Through Service.$10,000
Second Harvest Food Bank of Silicon ValleySan Jose, CA501(c)(3)To Ensure That Anyone Who Needs a Healthy Meal Can Get One.$9,393
San Mateo County Community Colleges FoundationSan Mateo, CA501(c)(3)To Support the Foundation in Its Mission to Assist Students Impacted by Covid-19.$5,750
Resource Area for TeachingSan Jose, CA501(c)(3)To Support Title 1 Schools.$5,400
Alameda Boys & Girls ClubAlameda, CA501(c)(3)To Inspire and Enable All Youth, Especially Those Who Need US Most, to Realize Their Full Potential as Productive, Caring and Responsible Citizens.$5,000
Alameda County Food BankOakland, CA501(c)(3)TO HELP IN THE FOOD BANK'S PURSUIT OF A HUNGER-FREE COMMUNITY.$5,000
American Cancer SocietyCampbell, CA501(c)(3)To Support Cancer Research.$5,000
Community Giving FoundationOakland, CA501(c)(3)Feeding Needy Families and Community Transformation.$5,000
El Camino Health FoundationMountain View, CA501(c)(3)El Camino Health Covid-19 Emergency Response Fund.$5,000
Omega Psi Phi Fraternity IncOakland, CA501(c)(8)To Support Scholarship Fund.$5,000
Ucsf FoundationSan Francisco, CA501(c)(3)Covid-19 Response Fund.$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
Yes
Subject to proxy tax
No

Reported Spending and Taxes

Line ItemAmount
Political Expenditures$2,500
Total Exempt Function Spending$2,500

Section 527 Organizations

OrganizationLocationAmount
94-0357265Sacramento, CA$2,500
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$5,318,446$5,294,670▼ $23,776
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Share Deposits$2,940,563,841
Accrued Dividends on Interest Payable$75,161
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 35% controlled entity
No
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 94065

Signing Officer

Name
Jennifer Lee
Title
SVP/cafo
Phone
6505080300
Signed
2021-11-04
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
434
Volunteers
12

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, 2020 and 2019, 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 1,268 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 $400 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/TitleTxt15SVP
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IRS990/Form990PartVIISectionAGrp/TitleTxt17VP BS&O
IRS990/Form990PartVIISectionAGrp/TitleTxt18VP HUMAN RESOURCES
IRS990/Form990PartVIISectionAGrp/TitleTxt19VP MARKETING
IRS990/Form990PartVIISectionAGrp/TitleTxt20VP LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt21VP SERVICE QUALITY
IRS990/Form990PartVIISectionAGrp/TitleTxt22VP RISK MANAGEMENT
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IRS990/Form990PartVIISectionAGrp/TitleTxt24MORTGAGE PRODUCTION SALES
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IRS990/Form990PartVIISectionAGrp/TitleTxt26SR. MORTGAGE CONSULTANT
IRS990/Form990PartVIISectionAGrp/TitleTxt27MORTGAGE COUNSELOR I
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IRS990/PrincipalOfficerNm0JAMES L ERNEST

Document Assets

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Filings

Displayed year

2020 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$3,317,870,698
Liabilities
$2,976,874,448
Net assets
$340,996,250
Revenue
$140,292,462
Expenses
$121,217,100
Net income
$19,075,362
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