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The Lender Report built this page from public records. Provident Credit Union has not reviewed it. Every lender's page starts this way, and it says nothing about Provident Credit Union itself. Each figure shows its source and date. Work at Provident Credit Union? You can claim this page for free.
Credit union, Redwood City, CA
Provident Credit Union, Redwood City, CA
A credit union based in Redwood City, CA. Its commercial book is mostly multifamily. Public files show recent multifamily, 1-4 unit investor and real-estate-secured commercial loans it made.
- Kind
- Credit union
- Data as of
- June 30, 2026
- Page last changed
- November 11, 2026
- Commercial book
- $298M
- NCUA 5300,
- Holds, not loans made
- Commercial loans made, H1 2026
- 6
- NCUA 5300,
- Real-estate-secured
- SBA loans, 36 months
- Not reported
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $3.59B
- NCUA 5300,
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- 650-508-0300 From the NCUA record, June 30, 2026.
- Website
- www.providentcu.orgFrom the NCUA record, November 9, 2026.
- Names it files under
- PROVIDENTNCUA 5300,
- Address
- 303 Twin Dolphin Drive, Redwood City, CA 94065NCUA 5300,
- Regulator record
- NCUA profile
You generally must be a member of a credit union to borrow from it. Field of membership: Non-Federal Credit Union.
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| 2025 | San Mateo County, CA | Purchase, 25 to 49 units | $4.5M | 5.63% | 30 yr | 39% | HMDA 2025 |
| 2025 | San Mateo County, CA | Purchase, 5 to 24 units | $3.3M | 6% | 30 yr | 60% | HMDA 2025 |
| 2025 | San Francisco County, CA | Purchase, 5 to 24 units | $3.1M | 3.38% | 25 yr | 62% | HMDA 2025 |
| 2025 | San Francisco County, CA | Purchase, 5 to 24 units | $1.9M | 5.88% | 30 yr | 57% | HMDA 2025 |
| 2025 | San Mateo County, CA | Refinance, 5 to 24 units | $1.9M | 5.88% | 30 yr | 33% | HMDA 2025 |
| 2025 | Yolo County, CA | Refinance, 25 to 49 units | $1.5M | 5.75% | 30 yr | 34% | HMDA 2025 |
| 2025 | Alameda County, CA | Purchase, 5 to 24 units | $1.3M | 6% | 30 yr | 60% | HMDA 2025 |
| 2025 | Santa Clara County, CA | Purchase, 5 to 24 units | $1.2M | 5.13% | 30 yr | 42% | HMDA 2025 |
| 2025 | Santa Clara County, CA | Refinance, 5 to 24 units | $920K | 6% | 30 yr | 56% | HMDA 2025 |
| 2025 | Santa Clara County, CA | Purchase, 5 to 24 units | $820K | 6% | 30 yr | 56% | HMDA 2025 |
| 2025 | Alameda County, CA | Refinance, 5 to 24 units | $760K | 6.13% | 30 yr | 60% | HMDA 2025 |
| 2025 | Alameda County, CA | Refinance, 5 to 24 units | $600K | 6% | 30 yr | 21% | HMDA 2025 |
| 2024 | Santa Clara County, CA | Refinance, 5 to 24 units | $2.7M | 6.38% | 30 yr | 38% | HMDA 2024 |
| 2024 | San Francisco County, CA | Purchase, 5 to 24 units | $1.9M | 6% | 30 yr | 69% | HMDA 2024 |
| 2024 | San Mateo County, CA | Refinance, 5 to 24 units | $1.5M | 5.88% | 30 yr | 41% | HMDA 2024 |
| 2024 | San Francisco County, CA | Purchase, 5 to 24 units | $1.4M | 6.13% | 30 yr | 60% | HMDA 2024 |
| 2024 | Alameda County, CA | Refinance, 5 to 24 units | $1.2M | 5.88% | 30 yr | 55% | HMDA 2024 |
| 2024 | San Francisco County, CA | Refinance, 5 to 24 units | $1M | 6.88% | 30 yr | 50% | HMDA 2024 |
| 2024 | San Francisco County, CA | Purchase, 5 to 24 units | $1M | 6.75% | 30 yr | 49% | HMDA 2024 |
| 2024 | Santa Clara County, CA | Purchase, 5 to 24 units | $860K | 5.88% | 30 yr | 45% | HMDA 2024 |
| 2024 | San Francisco County, CA | Refinance, 5 to 24 units | $840K | 6.38% | 30 yr | 32% | HMDA 2024 |
| 2024 | San Mateo County, CA | Purchase, 5 to 24 units | $800K | 6.5% | 30 yr | 41% | HMDA 2024 |
| 2024 | San Francisco County, CA | Purchase, 5 to 24 units | $800K | 6.25% | 30 yr | 43% | HMDA 2024 |
| 2024 | Alameda County, CA | Refinance, 5 to 24 units | $740K | 6% | 30 yr | 37% | HMDA 2024 |
| 2024 | Alameda County, CA | Refinance, 5 to 24 units | $740K | 6% | 30 yr | 34% | HMDA 2024 |
| 12 multifamily loans made in 2025 | $21.8M | HMDA 2025 | |||||
A blank means the source did not report it.
What it holds
NCUA 5300, June 30, 2026
| Book | Holds | Of its loans | Year over year | Loans | Average |
|---|---|---|---|---|---|
| Multifamily | $298M | 10.4% | -1.3% | 250 | $1.19M |
| Construction and land development | $0 | 0.0% | Not reported | 0 | Not reported |
| Owner-occupied CRE | $0 | 0.0% | Not reported | 0 | Not reported |
| Non-owner-occupied CRE | $0 | 0.0% | Not reported | 0 | Not reported |
| Farmland | $0 | 0.0% | Not reported | 0 | Not reported |
| Commercial and industrial | $0 | 0.0% | Not reported | 0 | Not reported |
| Other real-estate-secured commercial | $0 | 0.0% | Not reported | Not reported | Not reported |
| Commercial total | $298M |
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $294M |
| Q4 2023 | $294M |
| Q1 2024 | $293M |
| Q2 2024 | $295M |
| Q3 2024 | $295M |
| Q4 2024 | $291M |
| Q1 2025 | $295M |
| Q2 2025 | $302M |
| Q3 2025 | $294M |
| Q4 2025 | $296M |
| Q1 2026 | $296M |
| Q2 2026 | $298M |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| Multifamily, 5 or more units | 2025 | 12 | $21.8M | $1.39M | $4.5M | HMDA, |
| Multifamily, 5 or more units | 2024 | 13 | $15.4M | $1.00M | HMDA, | |
| 1-4 unit investor or business purpose | 2025 | 30 | $17.1M | $510K | HMDA, | |
| Real-estate-secured commercial | First half of 2026 | 6 | $8.87M | NCUA 5300, | ||
| Multifamily | First half of 2026 | 6 | $8.87M | NCUA 5300, |
How these public files were tied to this lender. HMDA: its name and state.
| Book | Average loan |
|---|---|
| Multifamily | $1.19M |
Programs on record: Federal Home Loan Bank member, San Francisco district (FHFA).
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| California HQ | 22 | 12 | 30 | 0 | 0 |
| County | Recorded loans | Dollars |
|---|---|---|
| San Francisco County, CA | 8 | $11.9M |
| Alameda County, CA | 6 | $5.26M |
| San Mateo County, CA | 5 | $12.0M |
| Santa Clara County, CA | 5 | $6.51M |
| Metro | Recorded loans | Dollars |
|---|---|---|
| San Francisco-San Mateo-Redwood City, CA | 13 | $23.9M |
| Oakland-Fremont-Berkeley, CA | 6 | $5.26M |
| San Jose-Sunnyvale-Santa Clara, CA | 5 | $6.51M |
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Business loan cap | $440M | $268M to $893M across 8 peers | Estimate: the lesser of 1.75 times net worth or 12.25% of assets. Low-income designated credit unions and some others are exempt. Not a statement from the credit union. | NCUA 5300, 12 CFR 723.8, Jun 30, 2026 |
| Business loans outstanding | $298M | $0 to $795M across 8 peers | Net member business loans, as reported on Form 5300. | NCUA 5300, |
| Cap used | 67.8% | 0.0% to 112.0% across 8 peers | Business loans outstanding over the estimated cap. | NCUA 5300, |
| Largest single borrower | $58.5M | $31.2M to $134M across 8 peers | Estimate: the greater of 15% of net worth or $100,000. Not a limit the credit union has stated. | NCUA 5300, 12 CFR 723.4, Jun 30, 2026 |
| CRE to net worth | 76.4% | 0.0% to 144.4% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by net worth. Our own ratio, not a regulatory test or limit. | NCUA 5300, |
| Loans to assets | 79.5% | 39.0% to 85.0% across 8 peers | Total loans divided by total assets. | NCUA 5300, |
Estimates use the formulas in 12 CFR 723. Low-income designated credit unions and some others are exempt from the cap.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| Credit Union of Southern CA, a | CA | $4.01B | $483M |
| Wescom Central Credit Union | CA | $6.60B | $935K |
| Financial Partners Credit Union | CA | $2.19B | $304M |
| Altura Credit Union | CA | $2.65B | $284M |
| Orange County's Credit Union | CA | $3.08B | $336M |
| Firefighters First Credit Union | CA | $2.48B | $249M |
| F & a Credit Union | CA | $3.15B | $0 |
| Mission Credit Union | CA | $7.29B | $853M |
What we don't know
- Whether it is taking new loans today, or on what terms.
- Who can join. A credit union lends only to its members, and field of membership decides who qualifies.
- Whether it makes SBA loans. No SBA loans are on file under this name for the 36 months to September 30, 2026.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
- Credit union concentration ratios here are our own calculation against net worth. They are not a regulatory test or limit. Originations are Jan-Jun 2026 year to date.
Check this page
Against the regulator's own record
- Name and charter. Provident Credit Union, NCUA charter 66343. Compare it with the regulator's record. [NCUA profile]
- Balances. $3.59B in total assets and $298M in commercial loans held, from the NCUA 5300 for June 30, 2026. [Source]
- Loans made. 6 real-estate-secured commercial loans made in the first half of 2026, from your NCUA Form 5300, and 55 loans in the HMDA file, in 2024 and 2025: 12 HMDA multifamily 2025, 13 HMDA multifamily 2024, 30 HMDA 1-4 unit investor 2025. [How each file was tied to Provident Credit Union]
- Phone and website. Phone 650-508-0300, from the NCUA record. Website providentcu.org, from the NCUA record. [How to reach them]
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For the record
Data as of June 30, 2026. Page last changed November 11, 2026.
- Regulator
- NCUA and state regulator
- NCUA charter
- 66343
- RSSD
- 629090
- LEI
- 254900P2JMSUZCYLE858
- The Lender Report ID
- lr_000515
- Main office county
- San Mateo
- Members
- 134,059
- NCUA region
- 3 - Western
NCUA credit union details,
- Reported $3.6B in total assets as of June 30, 2026 (NCUA 5300).
- Held $298M of commercial and commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $298M of multifamily loans as of June 30, 2026 (NCUA 5300).
- Originated 12 multifamily loans totaling $21.8M in 2025 (HMDA).
- Originated 13 multifamily loans totaling $15.4M in 2024 (HMDA).
- Originated 30 1-4 unit investor or business-purpose loans totaling $17.1M in 2025 (HMDA).
2 more sentences
- Originated 6 real-estate-secured commercial loans totaling $8.9M in the first half of 2026 (NCUA 5300).
- Listed 22 offices in 1 state (NCUA).
Cite this
Source: The Lender Report, Provident Credit Union, https://lender.report/lender/provident-credit-union-ca/, data as of June 30, 2026.
Sources
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.
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Work at Provident Credit Union? Claim this page, free.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem