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PROVIDENT CREDIT UNION

EIN 94-1482957 REDWOOD CITY, CA

Revenue 2024
$163,813,640
Expenses 2024
$160,494,045

As filed

Subsection
14
Classification
1000
Street
303 TWIN DOLPHIN DR

These codes are the IRS's own and are shown exactly as filed. What each one means is in the Business Master File documentation (opens in a new tab).

Group exemption

A subordinate covered by the group exemption of CREDIT UNIONS IN THE STATE OF CALIFORNIA (EIN 94-6123880). matched by us

The IRS lists each organization's group exemption number; we match a subordinate to its central organization by that number and the affiliation code the IRS assigns.

Officers and directors · 2024

As listed in Part VII of the 2024 return, in the order the filer printed them. Each return names its own; this is not a roster the organization keeps with us.

  • 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

The first 25 listed. 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. Earlier years are each on their own filing page.

Filings

  • 2024
    Revenue
    $163,813,640
    Expenses
    $160,494,045
    Contributions
    $0
    Grants paid
    $277,505
  • 2023
    Revenue
    $145,149,155
    Expenses
    $137,818,872
    Contributions
    $0
    Grants paid
    $317,104
  • 2022
    Revenue
    $112,950,041
    Expenses
    $107,810,551
    Contributions
    $0
    Grants paid
    $372,031

The four totals the IRS asks for on Part I of the Form 990, as filed. A dash means the figure was not present on the return — not that it was zero.

Other returns filed

  • 2021 · 990

    Revenue
    $114,626,988
    Expenses
    $104,236,674
    Assets (EOY)
    $3,536,838,918

  • 2020 · 990

    Revenue
    $140,292,462
    Expenses
    $121,217,100
    Assets (EOY)
    $3,317,870,698

  • 2019 · 990

    Revenue
    $118,064,717
    Expenses
    $101,425,758
    Assets (EOY)
    $2,795,784,013

  • 2018 · 990

    Revenue
    $102,329,240
    Expenses
    $86,222,533
    Assets (EOY)
    $2,599,866,298

  • 2017 · 990

    Revenue
    $96,310,989
    Expenses
    $80,580,199
    Assets (EOY)
    $2,385,488,711

  • 2016 · 990

    Revenue
    $91,622,709
    Expenses
    $72,923,183
    Assets (EOY)
    $2,283,897,433

  • 2015 · 990

    Revenue
    $80,123,092
    Expenses
    $63,943,576
    Assets (EOY)
    $2,124,975,420

  • 2014 · 990

    Revenue
    $74,066,430
    Expenses
    $63,200,400
    Assets (EOY)
    $2,032,003,563

  • 2013 · 990

    Revenue
    $74,422,514
    Expenses
    $62,501,586
    Assets (EOY)
    $1,901,980,386

  • 2012 · 990

    Revenue
    not reported
    Expenses
    $67,849,589
    Assets (EOY)
    $1,725,684,280

Nonprofiteer parses Forms 990, 990-EZ and 990-PF, in a window of recent tax years. These returns are recorded from the IRS e-file index, so their figures were extracted by that index rather than read from the return here — treat them as a different source from the filings above, not as more of the same record. A dash means the index carries no figure; Form 990-T listings carry none at all. Showing the 10 most recent; the API carries the rest.

Grants made

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

Where these grants went next →

Grants received

No itemized grant names this organization as a recipient. Only grants over $5,000 are itemized, and only by filers of the full Form 990.

Taxable family

From Schedule R Parts I, III and IV: entities that legally are the filer, and taxable partnerships, corporations and trusts it is related to. These record ownership and control, not shared board members or money.

Related corporations and trusts on its 2024 return

Other IRS files

Auto-Revocation List

Not listed. The IRS publishes this list for organizations whose exemption was automatically revoked for failing to file for three consecutive years.

Publication 78

Not present in the most recent drop.

These are two separate IRS files on two separate schedules, shown as published and not reconciled with each other. Neither is a statement about whether a contribution is deductible today: 19,245 organizations appear in Publication 78 while the IRS's own revocation file lists them as currently revoked, more than half of those revoked before 2019. Absence from Publication 78 is evidence of nothing, and presence is not evidence either. Verify current status with the IRS before relying on it.

What this page reflects

The registration facts above come from the IRS Business Master File published 13 October 2026 and read 23 October 2026, for every organization at once. Returns through tax year 2024, the newest we have parsed for this organization.