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Nonprofiteer
← PROVIDENT CREDIT UNION

Form 990 for tax year 2024

Filed by PROVIDENT CREDIT UNION.

Totals

Total revenue
$163,813,640
Total expenses
$160,494,045
Contributions and grants received
$0
Grants paid
$277,505
Program service revenue
$134,075,258
Investment income
$27,547,858
Other revenue
$2,190,524
Total assets, end of year
$3,546,468,170
Total liabilities, end of year
$3,189,216,280
Net assets or fund balances, end of year
$357,251,890
Program services expenses (Part IX)
not reported
Management and general expenses
not reported
Fundraising expenses
not reported
Program service expenses (Part III)
not reported

Listed in Part VII

  • JUNE ROTHE

    CHAIRMAN

    Total calculated
    $0
    Hours/week
    2

  • SAMUEL JOHNSON JR

    VICE CHAIRMAN

    Total calculated
    $0
    Hours/week
    2

  • CHRISTINE BOLAND

    SECRETARY

    Total calculated
    $0
    Hours/week
    2

  • DAVID BUCKMASTER

    TREASURER

    Total calculated
    $0
    Hours/week
    2

  • DAVID PELZNER

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    2

  • SCOTT O'BRIEN

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    2

  • BOB LANZONE

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    2

  • GEORGE DESCALSO

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    2

  • ANDREA KENTER

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    2

  • SCOTT MCWHIRTER

    SUPV CMTE CHAIR

    Total calculated
    $0
    Hours/week
    2

  • ROSANNE FOUST

    SUPV CMTE MEMBER

    Total calculated
    $0
    Hours/week
    2

  • KENNETH RUBAY

    SUPV CMTE MEMBER

    Total calculated
    $0
    Hours/week
    2

  • GREGORY TESHARA

    SUPV CMTE MEMBER

    Total calculated
    $0
    Hours/week
    2

  • TODD MCCORMACK

    SUPV CMTE MEMBER

    Total calculated
    $0
    Hours/week
    2

  • JAMES ERNEST

    PRESIDENT/CEO

    Total calculated
    $1,222,967
    From this org
    $1,151,218
    From related orgs
    $0
    Other
    $71,749
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $930,058
    Bonus
    $202,949
    Other
    $18,211
    Deferred
    $28,088
    Nontaxable benefits
    $43,661
    Filer's total
    $1,222,967

  • JENNIFER LEE

    SVP/CFAO

    Total calculated
    $620,897
    From this org
    $552,486
    From related orgs
    $0
    Other
    $68,411
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $426,813
    Bonus
    $105,625
    Other
    $20,048
    Deferred
    $24,750
    Nontaxable benefits
    $43,661
    Filer's total
    $620,897

  • FRED GOMES

    SVP

    Total calculated
    $475,339
    From this org
    $446,079
    From related orgs
    $0
    Other
    $29,260
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $250,311
    Bonus
    $188,096
    Other
    $7,672
    Deferred
    $13,241
    Nontaxable benefits
    $16,019
    Filer's total
    $475,339

  • GANESH RAGHAVAN

    VP, NETWORK INFRASTRUCTURE & SECURITY

    Total calculated
    $433,298
    From this org
    $383,853
    From related orgs
    $0
    Other
    $49,445
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $306,520
    Bonus
    $75,011
    Other
    $2,322
    Deferred
    $5,784
    Nontaxable benefits
    $43,661
    Filer's total
    $433,298

  • GREG KENT MCCURDY

    VP, LENDING

    Total calculated
    $414,097
    From this org
    $359,661
    From related orgs
    $0
    Other
    $54,436
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $281,143
    Bonus
    $71,660
    Other
    $6,858
    Deferred
    $20,672
    Nontaxable benefits
    $33,764
    Filer's total
    $414,097

  • JOHN HAGGARTY

    VP, MARKETING

    Total calculated
    $429,383
    From this org
    $343,962
    From related orgs
    $0
    Other
    $85,421
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $270,090
    Bonus
    $67,862
    Other
    $6,010
    Deferred
    $20,257
    Nontaxable benefits
    $65,164
    Filer's total
    $429,383

  • JOHN PAUL REILLY

    VP, BS&O

    Total calculated
    $420,313
    From this org
    $335,952
    From related orgs
    $0
    Other
    $84,361
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $265,800
    Bonus
    $68,910
    Other
    $1,242
    Deferred
    $19,197
    Nontaxable benefits
    $65,164
    Filer's total
    $420,313

  • ERIC CARDONA

    VP, IT DEV OPS AND SUPPORT

    Total calculated
    $359,130
    From this org
    $303,176
    From related orgs
    $0
    Other
    $55,954
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $282,234
    Bonus
    $20,132
    Other
    $810
    Deferred
    $20,448
    Nontaxable benefits
    $35,506
    Filer's total
    $359,130

  • SHALINI SAHDEO NARAYAN

    VP, SERVICE QUALITY

    Total calculated
    $340,535
    From this org
    $293,115
    From related orgs
    $0
    Other
    $47,420
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $231,710
    Bonus
    $60,661
    Other
    $744
    Deferred
    $9,355
    Nontaxable benefits
    $38,065
    Filer's total
    $340,535

  • PAUL SHEA

    VP, HUMAN RESOURCES

    Total calculated
    $327,191
    From this org
    $257,113
    From related orgs
    $0
    Other
    $70,078
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $238,669
    Bonus
    $16,409
    Other
    $2,035
    Deferred
    $4,914
    Nontaxable benefits
    $65,164
    Filer's total
    $327,191

  • JANELLE HUYNH

    VP, FINANCE

    Total calculated
    $280,833
    From this org
    $229,894
    From related orgs
    $0
    Other
    $50,939
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $210,769
    Bonus
    $14,166
    Other
    $4,959
    Deferred
    $15,433
    Nontaxable benefits
    $35,506
    Filer's total
    $280,833

  • CHRISTINE M KEANE

    VP, RISK MANAGEMENT

    Total calculated
    $266,562
    From this org
    $223,062
    From related orgs
    $0
    Other
    $43,500
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $181,194
    Bonus
    $39,394
    Other
    $2,474
    Deferred
    $18,120
    Nontaxable benefits
    $25,380
    Filer's total
    $266,562

  • MOHAMAD A SANGABI

    SR. MORTGAGE CONS.

    Total calculated
    $292,073
    From this org
    $249,953
    From related orgs
    $0
    Other
    $42,120
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $51,057
    Bonus
    $197,608
    Other
    $1,288
    Deferred
    $23,870
    Nontaxable benefits
    $18,250
    Filer's total
    $292,073

  • FATEMEH ASAD SANGABI

    SR. MORTGAGE CONS.

    Total calculated
    $225,584
    From this org
    $185,857
    From related orgs
    $0
    Other
    $39,727
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $48,032
    Bonus
    $136,665
    Other
    $1,160
    Deferred
    $11,716
    Nontaxable benefits
    $28,011
    Filer's total
    $225,584

  • DAVID HERRERA JR

    SR. MORTGAGE CONS.

    Total calculated
    $171,992
    From this org
    $151,097
    From related orgs
    $0
    Other
    $20,895
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $50,032
    Bonus
    $100,828
    Other
    $237
    Deferred
    $0
    Nontaxable benefits
    $20,895
    Filer's total
    $171,992

  • PHUONG PATRICIA JACOBS

    MORTGAGE COUNSELOR I

    Total calculated
    $159,384
    From this org
    $148,894
    From related orgs
    $0
    Other
    $10,490
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $44,542
    Bonus
    $104,261
    Other
    $91
    Deferred
    $7,440
    Nontaxable benefits
    $3,050
    Filer's total
    $159,384

  • NORMAN WHITEMAN

    SR. MORTGAGE CONS.

    Total calculated
    $147,887
    From this org
    $125,750
    From related orgs
    $0
    Other
    $22,137
    Hours/week
    40

Compensation is as filed in Part VII: reportable pay from this organization and from related organizations, other compensation, and hours per week. The total, marked calculated, is our sum of the three dollar columns, with a blank column counted as $0; the form itself has no total. On a Form 990-EZ the columns are Part IV's instead, and on a Form 990-PF Part VIII's — compensation, contributions to benefit plans, and expense account — and the total sums those. A Schedule J breakdown is as filed: base pay, bonus, other, deferred compensation and nontaxable benefits from this organization, with any from related organizations beside each, and the filer's own total. It is shown with the Part VII listing of the same name on the same return. The form gives no key between the two, so that pairing is ours, and is marked matched by us.

Schedule J

Answered yes

  • 1a · Discretionary spending account
  • 1a · Health or social club dues or initiation fees
  • 1b · Written policy on the line-1a expenses
  • 2 · Substantiation required before reimbursing expenses
  • 3 · Compensation committee
  • 3 · Written employment contract
  • 3 · Compensation survey or study
  • 3 · Approval by the board or compensation committee
  • 4b · Supplemental nonqualified retirement plan

Answered no

  • 4a · Severance or change-of-control payment
  • 4c · Equity-based compensation arrangement

The filer's explanations (Part III)

PART I, LINE 4B
THE CREDIT UNION HAS DEFERRED COMPENSATION AGREEMENTS WITH MEMBERS OF THE EXECUTIVE MANAGEMENT TEAM THAT PROVIDE BENEFITS PAYABLE TO THESE EMPLOYEES IF THEY MEET THE REQUIREMENTS SET FORTH IN THE AGREEMENTS. IF THESE EMPLOYEES BECOME FULLY DISABLED AS DEFINED IN THE AGREEMENTS, ACCRUED BENEFITS ARE IMMEDIATELY PAYABLE. THE BENEFITS ARE SUBJECT TO FORFEITURE IF EMPLOYMENT IS TERMINATED FOR CAUSE AS DEFINED IN THE AGREEMENTS.

Part I's answers as filed. A line not listed was left unanswered; on lines 1a and 3 that means the box was not checked.

Grants on this return

The 10 largest by cash amount. The API serves every itemized grant.

Taxable family on this return

Schedule R Parts I, III and IV, as filed. These record ownership and control, not shared board members or money moved.

Related corporations and trusts

Part IV: related organizations taxable as a corporation or trust.

  • PROVIDENT SERVICES CORPORATION INC

    C · INSURANCE PRODUCTS · CA · 100% owned · share of income $988,794 · share of assets $1,394,306 · controlled entity

    Directly controlled by PROVIDENT CREDIT UNION

Provenance

Return type
form_990
Tax year
2024
Filed
6 November 2025
IRS schema version
2024v5.2
Source object
202543149349306219

Check it against the return as filed: the GivingTuesday Data Lake hosts a public copy of the original XML.

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