Provident Federal Credit Union (NCUA charter #16364) is based in Dover, Delaware. Its Q2 2026 call report shows $11.9M in total assets and $10.2M in member shares and deposits and 2 offices across 2 states.
Based on its Q2 2026 filing, Provident Federal Credit Union scores 64/100, which we describe as moderate. That is higher than only 28% of 2,479 credit unions with under $100 million in assets. Among 15 credit unions headquartered in Delaware, it ranks 9th. Its strongest component is funding & liquidity (100/100; 50% loans-to-deposits, 4% uninsured), and its lowest is earnings (11/100; -0.23%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 5 points (59 → 64), mostly because the loan quality component improved by 42 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 55 |
| Q3 2024 | 66 |
| Q4 2024 | 74 |
| Q1 2025 | 64 |
| Q2 2025 | 59 |
| Q3 2025 | 73 |
| Q4 2025 | 65 |
| Q1 2026 | 69 |
| Q2 2026 | 64 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 13.68% |
| Q3 2024 | 14.05% |
| Q4 2024 | 14.12% |
| Q1 2025 | 13.83% |
| Q2 2025 | 14.33% |
| Q3 2025 | 14.66% |
| Q4 2025 | 14.13% |
| Q1 2026 | 13.72% |
| Q2 2026 | 14.07% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 3.11% |
| Q3 2024 | 2.14% |
| Q4 2024 | 1.39% |
| Q1 2025 | 2.32% |
| Q2 2025 | 3.62% |
| Q3 2025 | 1.54% |
| Q4 2025 | 2.06% |
| Q1 2026 | 0.77% |
| Q2 2026 | 1.75% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.24% |
| Q3 2024 | 0.46% |
| Q4 2024 | 0.64% |
| Q1 2025 | 0.56% |
| Q2 2025 | 0.46% |
| Q3 2025 | 0.48% |
| Q4 2025 | 0.23% |
| Q1 2026 | -1.57% |
| Q2 2026 | -0.23% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 64 | $11.9M | 14.07% | 1.75% | -0.23% | 50.4% |
| Q1 2026 | 69 | $12.0M | 13.72% | 0.77% | -1.57% | 49.0% |
| Q4 2025 | 65 | $12.0M | 14.13% | 2.06% | 0.23% | 52.1% |
| Q3 2025 | 73 | $11.7M | 14.66% | 1.54% | 0.48% | 52.7% |
| Q2 2025 | 59 | $11.9M | 14.33% | 3.62% | 0.46% | 51.0% |
| Q1 2025 | 64 | $12.3M | 13.83% | 2.32% | 0.56% | 48.6% |
| Q4 2024 | 74 | $11.9M | 14.12% | 1.39% | 0.64% | 50.3% |
| Q3 2024 | 66 | $11.8M | 14.05% | 2.14% | 0.46% | 51.5% |
| Q2 2024 | 55 | $11.9M | 13.68% | 3.11% | 0.24% | 50.7% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Delaware
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Wilmington Police & Fire Federal Credit UnionCredit union Wilmington, DE | 59 out of 100, Moderate | $14.3M | 14.7% | 2.45% | vs |
| Stepping Stones Community Federal Credit UnionCredit union Wilmington, DE | 74 out of 100, Strong | $8.3M | 47.0% | 10.61% | vs |
| Delaware River & Bay Auth Emp Federal Credit UnionCredit union New Castle, DE | 86 out of 100, Very strong | $4.1M | 25.8% | 0.82% | vs |
| Priority Plus Federal Credit UnionCredit union Wilmington, DE | 74 out of 100, Strong | $23.3M | 17.6% | 1.10% | vs |
| New Castle County Delaware Em Federal Credit UnionCredit union New Castle, DE | 86 out of 100, Very strong | $33.3M | 12.0% | 0.00% | vs |
| Edu Federal Credit UnionCredit union New Castle, DE | 34 out of 100, Low | $44.2M | 6.8% | 2.57% | vs |
Deposit insurance
Is my money safe at Provident Federal Credit Union?
Yes. Provident Federal Credit Union is a federally insured credit union (NCUA charter #16364). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 4.3% of shares and deposits ($436K) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 14.07%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
Provident Federal Credit Union lists 2 offices in 2 cities across 2 states. Most locations:
- Dover, DE (1)
- Elkton, MD (1)
Identity & history
Profile
- Legal name
- Provident Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 16364
- RSSD ID
- 936686
- Primary regulator
- NCUA
- Established
- 1964
- Headquarters
- 401 S New Street, Dover, DE 19904
- Employees
- 6
Quick answers
Provident Federal Credit Union: common questions
Is Provident Federal Credit Union NCUA insured?
Yes. Provident Federal Credit Union is a federally insured credit union (NCUA charter #16364). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Provident Federal Credit Union's TellerScore?
64 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Provident Federal Credit Union have?
2 offices as of the latest NCUA data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Dover
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| FSNB, National AssociationBank Lawton, OK | 96 out of 100, Very strong | $478.3M | 17.5% | 0.36% | vs |
| County BankBank Rehoboth Beach, DE | 93 out of 100, Very strong | $696.4M | 15.4% | 0.30% | vs |
| Tidemark Federal Credit UnionCredit union Seaford, DE | 83 out of 100, Strong | $468.5M | 14.4% | 0.33% | vs |
| Century Savings BankBank Vineland, NJ | 81 out of 100, Strong | $634.8M | 13.2% | 0.00% | vs |
| The Queenstown Bank of MarylandBank Queenstown, MD | 77 out of 100, Strong | $729.5M | 11.6% | 0.12% | vs |
| P.S.E. & G. Nuclear Employees Federal Credit UnionCredit union Hancocks Bridge, NJ | 72 out of 100, Strong | $10.0M | 12.9% | 0.24% | vs |