Skip to content
Provident Credit Union at a glance

· Public charity

Provident Credit Union

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.

$278k
Granted FY2024still arriving
10
Grants FY2024still arriving
2
States reached
$29k
Largest
01What it fundsRead
02The needRead
03Its granteesRead
04Its fieldRead
01What it funds
01100% classified

What it funded, over time

Every grant placed by its stated purpose and the recipient’s mission, by year, FY2017 to 2024.

Education$294kHealth$164kCommunity Improvement$158kHousing & Shelter$111kRecreation & Sports$89kEmployment$80kFood & Nutrition$29kHuman Services$25kOther$0
02FY2024 · 10 grants

Where the money goes

Grants by size, and the largest recipients.

How this is measured
The 10 grants below total $128,375, the rows itemized in this filing. The $277,505 headline is the total grant expense on the return; the other $149,130 is giving the schedule does not break out (grants under the $5,000 itemization floor, grants to individuals, grants on other schedules). Every figure below describes the itemized rows only.

By grant size · FY2024

  • Under $10k3 grants · $23k
  • $10k–50k7 grants · $106k
$10,000
Median grant
2
States reached
$3.5B
Total assets
Largest grants
RecipientAmount
CRISTO REY DE LA SALLE EAST BAY$29,375
SAN JOSE STATE UNIVERSITY$20,000
HABITAT FOR HUMANITY GREATER SAN FRANCISCO$15,000
TOWER FOUNDATION OF SJSU$11,500
ONE LIFE COUNSELING$10,000
OMEGA-SIGMA IOTA SCHOLARSHIP FUND INC$10,000
AMERICAN HEART ASSOCIATION$10,000
EASTERSEALS BAY AREA$8,500
REBUILDING TOGETHER PENINSULA$8,000
HABITAT FOR HUMANITY EAST BAY$6,000
02The need
03

Does the money reach high-need areas?

Each grant placed by the hardship in its grantee’s ZIP, against the area’s typical level.

show:

Its human-services grants (FY20–20, $20k) land where the poverty rate runs at 7%, against an area that typically sits at 10%. 0% of those dollars go to grantees based in above-average-need neighborhoods. Its grants skew toward lower-need ZIPs.

area typical 10%MY NEW RED SHOES: $20k → 7%0%20%40%50%more need →
grant to an above-average-need area below average· circle size = grant amount
How this is measured
Matched: human-services grants are those whose grantee’s IRS cause code is Human Services. Placed by people below the poverty line in the grantee’s ZIP, averaged from the tracts in that ZIP.
How this is measured
US grants placed by each grantee’s ZIP, which can differ from where services are delivered. Need from public data (U.S. Census/ACS, CDC PLACES, Eviction Lab, USDA), shown as context about the area, never attributed to the funder’s giving.
03Its grantees
repeat funding

Who it funds again

Organizations funded in more than one year, against those funded once.

74%of every dollar goes to organizations it has funded before.
$734k · 17 repeat orgs$257k to everyone else

Grantees it renews have grown median revenue +42% since the first grant, against +19% for those funded once.

17 repeat relationships: 6 still active in FY2024, 11 since wound down; 4 grantees were first funded in FY2024 (too recent to call).

How the two cohorts compare

Re-uppedFunded once

Organizations

17
21

Total granted

$734k
$212k

Median revenue growth · since first grant

+42%
+19%

Still filing today

82%
86%

New vs renewed · share of each year

In FY2024, 65% of grant dollars renewed an existing relationship; $45k went to new ones.

50%100%’17’18’19’20’21’22’23’24
RenewedFirst-time

Where new relationships form · theme of each grantee’s first grant

’17’18’19’20’21’22’23’24
EducationHealthYouth DevelopmentRecreation & SportsHousing & ShelterPhilanthropyOther
How this is measured
First-time means a grantee’s first year in the filing window; renewed means funded in an earlier year too. The renewed share climbs naturally as a portfolio matures, so the signal is a year that bucks it (a wave of new grantees). The earliest year is left-censored: relationships that predate the data read as new. Theme is the grantee’s IRS cause.

Backed again, and grew

  • CS
    CHAMBER SAN MATEO COUNTY
    6× · 2017–2023 · $161k · revenue +42%
  • AH
    American Heart Association Inc
    4× · 2018–2024 · $52k · revenue +26%
  • SAMARITAN HOUSE
    3× · 2018–2021 · $39k · revenue +198%

Funded once

  • TO
    THE OAKLAND PUBLIC EDUCATION FUND
    one grant, 2020 · $23k · revenue -40%
  • MC
    MBOLDEN CHANGE
    one grant, 2020 · $20k · revenue -39%
  • TO
    THE OAKLAND ATHLETICS COMMUNITY FUND
    one grant, 2018 · $20k · revenue +51%
How this is measured

Repeat means funded in two or more distinct years. Growth and survival are read from each grantee’s own subsequent IRS filings.

04Its field

Closest unfunded matches

The nonprofits that most resemble its grantees but are not funded by it, scored along the direction from the rest of the field toward the portfolio. A resemblance in what they say they do, not a recommendation.

1
San Francisco Association of Realtors Foundation
Philanthropy
2
San Francisco Challenge dba AmericaOne
Recreation & Sports
3
Housing Trust Silicon Valley

Our mission at housing trust silicon valley, is to use transformative housing finance and public and private partnerships to create more equitable and affordable communities.

Housing & Shelter
4
Community Foundation Santa Cruz County

To promote philanthropy to make santa cruz county a better place to live, now and in the future.we bring together people, ideas, and resources to inspire philanthropy and accomplish great things.

Philanthropy
5
Sacramento Region Community Foundation

The Sacramento Region Community Foundation leads, serves, and inspires enduring philanthropy for a just and vibrant Sacramento region.

Philanthropy
6
Sutter Bay Hospitals

MISSION STATEMENT: MISSION: CARING FOR OUR PATIENTS FIRST AND OUR PEOPLE ALWAYS. VISION: TO BE THE MOST COMPREHENSIVE, INTEGRATED AND CONNECTED HEALTH SYSTEM FOR GETTING AND STAYING WELL. VALUES: EXCELLENCE - We deliver high-quality,…

Health
7
The San Diego Foundation

The san diego foundation inspires enduring philanthropy and enables community solutions to improve the quality of life in our region.

Philanthropy
8
Solano Community Foundation

The Solano Community Foundation strengthens Solano County by advancing equity, supporting nonprofit resilience, and expanding access to philanthropy. We serve as a community leader, responsive grantmaker, and trusted partner for donors who…

Philanthropy
9
University of California San Francisco Foundation

Organization's mission ====================== the university of california, san francisco(ucsf) is among the world's leading universities dedicated to advancing health worldwide through biomedical research, graduate-level education in the…

Education
10
SFMade Inc

Our mission is to help manufacturers thrive, innovate, and create good jobs, for a more diverse and sustainable Bay Area.

Community Improvement
11
Silicon Valley Community Foundation

Silicon Valley Community Foundation (SVCF) connects people, ideas and resources to ensure equity and opportunity for all.

Philanthropy
12
Sutter Bay Medical Foundation

Mission statement: mission: caring for our patients first and our people always. vision: to be the most comprehensive, integrated and connected health system for getting and staying well. values: excellence - we deliver high-quality,…

Health
How this is measured
The grantee most central to the portfolio’s shape is The Oakland Public Education Fund; the most unlike its peers is The Oakland Athletics Community Fund. Resemblance is measured on each organization’s own IRS 990 mission text; it reflects how work is described, not its quality or impact.
04the grantee network

37 grantees tracked through their own filings, 2017–2025.

Each grant beside the grantee’s revenue from every source, year by year.

How this is measured

Counted here: distinct organizations funded across 2017 to 2025, not grant rows in a single year, so this will not match the grant count on the cover. 37 of the 43 grantees resolved in that span have returns of their own we could reconcile.

Each grantee is resolved to its own IRS returns. Association, dated; never a causal claim.

0
Load-bearing (≥25% of a budget)
8
Early backer (in before they grew)
36/37
Grantees still filing
29/37
Grew since first funded

Where the money sits, by cause and then by grantee

CHAMBER SAN MATEO COUNTY: $160,500 · OtherCHAMBER SAN MATEO COUNTYDE LA SALLE HIGH SCHOOL OF CONCORD INC: $115,000 · OtherDE LA SALLE HIGH SCHOOL OF CONCORD INCCRISTO REY DE LA SALLE EAST BAY WORK STUDY PROGRAM: $80,375 · OtherCRISTO REY DE LA SALLE EAST BAY WORK STUDY PROGRAMSan Jose State University: $48,000 · OtherSan Jose State UniversitySAMARITAN HOUSE: $39,393 · OtherSAMARITAN HOUSECHILDREN'S MIRACLE NETWORK: $24,100 · Other+18 more: $189,393 · Other+18 moreAmerican Heart Association Inc: $51,500 · HealthAmerican Heart…ONE LIFE COUNSELING CENTER: $35,000 · HealthONE LIFE COUNS…AMERICAN CANCER SOCIETY INC: $35,000 · HealthAMERICAN CANCE…EASTERSEALS NORTHERN CALIFORNIA: $8,500 · HealthEASTERSEALS NO…THE OAKLAND PUBLIC EDUCATION FUND: $23,096 · EducationTHE OAKLAN…San Mateo County Community Colleges Foundation: $20,750 · EducationSan Mateo …University of San Francisco: $12,500 · EducationUniversity…THE TOWER FOUNDATION OF SAN JOSE STATE UNIVERSITY: $11,500 · EducationTHE TOWER …OAKLAND SCHOOL FOR THE ARTS: $10,000 · EducationOAKLAND SC…RESOURCE AREA FOR TEACHING: $5,400 · EducationRESOURCE A…UCSF FOUNDATION INVESTMENT COMPANY: $5,000 · EducationUCSF FOUND…HABITAT FOR HUMANITY EAST BAY SILICON VALLEY: $31,000 · Housing & ShelterRebuilding Together Peninsula: $21,000 · Housing & ShelterALAMEDA BOYS & GIRLS CLUB INC: $15,000 · Youth DevelopmentCOACHARTORG: $5,000 · Youth DevelopmentMILLBRAE LIONS YOUTH CENTER: $5,000 · Youth DevelopmentHarbor House Ministries Inc: $15,000 · Community ImprovementSan Carlos Parks & Recreation Foundation: $8,500 · Community ImprovementMBOLDEN CHANGE: $20,000 · Human Services
Other$656,761Health$130,000Education$88,246Housing & Shelter$52,000Youth Development$25,000Community Improvement$23,500Human Services$20,000

Each grantee by its size and the funder’s share of it; top left is load-bearing

25%50%75%100%$1.0M$10M$100Mgrantee revenue →↑ funder's share of their budgetCHAMBER SAN MATEO COUNTY: $160,500 over 6y, 3.0% of budgetCRISTO REY DE LA SALLE EAST BAY WORK STUDY PROGRAM: $80,375 over 2y, 1.5% of budgetAmerican Heart Association Inc: $51,500 over 4y, 0.0% of budgetSAMARITAN HOUSE: $39,393 over 3y, 0.1% of budgetONE LIFE COUNSELING CENTER: $35,000 over 4y, 0.3% of budgetAMERICAN CANCER SOCIETY INC: $35,000 over 4y, 0.0% of budgetHABITAT FOR HUMANITY EAST BAY SILICON VALLEY: $31,000 over 3y, 0.1% of budgetCHILDREN'S MIRACLE NETWORK: $24,100 over 3y, 0.0% of budgetTHE OAKLAND PUBLIC EDUCATION FUND: $23,096 over 1y, 0.1% of budgetRebuilding Together Peninsula: $21,000 over 3y, 0.3% of budgetSan Mateo County Community Colleges Foundation: $20,750 over 3y, 0.2% of budgetMBOLDEN CHANGE: $20,000 over 1y, 2.0% of budgetOakland Parks and Recreation Foundation: $15,000 over 1y, 1.2% of budgetHABITAT FOR HUMANITY GREATER SAN FRANCISCO: $15,000 over 1y, 0.1% of budgetHarbor House Ministries Inc: $15,000 over 1y, 2.0% of budgetALAMEDA BOYS & GIRLS CLUB INC: $15,000 over 3y, 0.5% of budgetSECOND HARVEST OF SILICON VALLEY: $14,393 over 2y, 0.0% of budgetSAN MATEO COUNTY ECONOMIC DEVELOPMENT ASSOCIATION INCORPORATED: $12,500 over 1y, 1.7% of budgetUniversity of San Francisco: $12,500 over 2y, 0.0% of budgetTHE TOWER FOUNDATION OF SAN JOSE STATE UNIVERSITY: $11,500 over 1y, 0.0% of budgetALAMEDA COUNTY COMMUNITY FOOD BANK: $10,000 over 2y, 0.0% of budget7TH DISTRICT ORGANIZATION OMEGA PSI PHI FRATERNITY INC: $10,000 over 1y, 1.2% of budgetSOJOURN TO THE PAST: $10,000 over 1y, 7.2% of budgetOAKLAND SCHOOL FOR THE ARTS: $10,000 over 1y, 0.1% of budgetCITYTEAM MINISTRIES: $10,000 over 1y, 0.0% of budgetGIANTS COMMUNITY FUND: $10,000 over 1y, 0.2% of budgetSan Carlos Parks & Recreation Foundation: $8,500 over 1y, 2.6% of budgetEASTERSEALS NORTHERN CALIFORNIA: $8,500 over 1y, 0.0% of budgetRESOURCE AREA FOR TEACHING: $5,400 over 1y, 0.1% of budgetCOACHARTORG: $5,000 over 1y, 0.3% of budgetMILLBRAE LIONS YOUTH CENTER: $5,000 over 1y, 2.2% of budgetCOMMUNITY GIVING FOUNDATION: $5,000 over 1y, 0.1% of budgetKRISTI YAMAGUCHI'S ALWAYS DREAM: $5,000 over 1y, 0.4% of budgetUCSF FOUNDATION INVESTMENT COMPANY: $5,000 over 1y, 0.1% of budgetREDWOOD CITY PARKS AND ARTS FOUNDATION: $5,000 over 1y, 0.9% of budgetRONALD MCDONALD HOUSE CHARITIES - BAY AREA: $5,000 over 1y, 0.1% of budget
Grantee by grantee: a decade per organization, before and after funding

A decade per grantee: revenue shaded, grants as bars, all rows on one timeline.

Co-funders

Grantmakers whose grantees overlap with this funder’s far more than size alone predicts. Closer means stronger alignment; arcs show where they also fund each other. Here they form a tightly interlocked group: most of these funders back each other's grantees too.

Silicon Valley Commun…The San Francisco Fou…Jewish Community Fede…Atkinson FoundationEast Bay Community Fo…Philanthropic Venture…Salesforce FoundationAbbVie FoundationThe James Irvine Foun…The Intuit FoundationThe David and Lucile …Monterra Credit Union
Silicon Valley Community FoundationCA24.7× affinity16 shared granteesties to 11 of 11Hover any node to trace its alignments.Compare side by side →

Open a dossier: Silicon Valley Community Foundation · The San Francisco Foundation · Jewish Community Federation of San Francisco the Peninsula Marin & Sonoma · Atkinson Foundation · East Bay Community Foundation · Philanthropic Ventures Foundation · Salesforce Foundation · AbbVie Foundation · The James Irvine Foundation · The Intuit Foundation · The David and Lucile Packard Foundation · Monterra Credit Union

How this is measured
Affinity is a Gamma-Poisson posterior co-funding rate, re-centered on the typical rate, so thin evidence shrinks toward no signal. Overlap is association, not proof of shared intent.

How much its grantees rely on government

Each dot is one organization Provident Credit Union funds: left to right is the share of its income from government, bottom to top the share from Provident Credit Union. Bigger dots raise more.

2024
’20’21’22’23’24’25
no gov · 00%1%3%6%10%funder's share of their income ↑0%4%8%11%15%share of the org’s income from government →
    no gov moneyreceives it· size = income
    0get no government money at all
    16report government grants on their 990 we could not trace to a source (not plotted)
    0rely on government for over half their income
    ⤢ axis zoomed · 0–15%
    typical government reliance, FY20–25
    How this is measured
    Government income is each org’s traced federal awards (USASpending grants and contracts) plus state payments (open checkbooks) as a share of its total revenue (IRS Form 990); the self-reported government-grant line (990 line 1e) is carried for cross-check: a grantee that reports government grants we could not trace to a source is left off the chart rather than shown as receiving none. An association, not a claim that a grant caused the public funding. Coverage is precision-first, a floor rather than a census; state records exist for 9 states, so a grantee outside them shows no state figure (dimmed) rather than a false zero. Federal award amounts are obligations, which can span years, so a single-year share is indicative. 990 filings lag 12 to 24 months.

    On method. Every financial figure here is read from IRS e-file XML, the funder’s own 990/990-PF, and from the multi-year returns of the 43 grantees we resolved, each linked to its source. Grantee outcomes are each organization’s own program-service reporting (Form 990, Part III), read as association with funding, never as caused by it. Low-confidence name matches are suppressed rather than guessed. How we build these →

    How this is measured
    Each figure carries one of six labels. Filed is what the funder reported on its return. Official is another government record about an organization, such as a federal award or a charity register, joined by name where no shared identifier exists. Resolved is an identity we worked out where the filing named a recipient without an EIN, kept only above a measured confidence threshold. Computed is arithmetic over those, like themes, portfolio clusters and co-funder strength. Context is a statistic about a place rather than about an organization, which is what the need overlay is: it describes the area a grantee’s address sits in, not where its work lands. Inferred is drawn by a model from text, like the partnerships read out of public news and organization websites. Each is labeled where it appears.

    Generated from the IRS Form 990 e-file return for fiscal year 2024, released 2024. Filings run roughly 12 to 24 months behind; figures are dated accordingly.

    Source object · view filing

    Play a game based on Provident Credit Union’s filings →

    More from the funding graph

    The unnamed billions
    grants reported with no recipient in the public record
    The regranting layer
    51% of grant dollars land in the regranting layer
    The DAF merry-go-round
    $9.7B circulates between donor-advised funds
    The endowment market
    who holds foundation money, and what just moved
    The camps
    funders cluster by geography, not ideology
    By state
    where grant money is based, and what stays home