Silverado
Angwin, CA · Charter 68491 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$47.9MAssets
$37.6MLoans
$41.9MShares
$5.6MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 61% of credit unions under $1B in assets (rank 662 of 1683).
- Widest gap: efficiency ratio trails 93% of credit unions under $1B in assets (rank 1566 of 1682).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
-0.11%
Rank 1,513 of 1,683
Net Interest Margin
4.01%
Rank 662 of 1,683
Efficiency Ratio
100.67%
Rank 1,566 of 1,682
Equity / Assets
11.72%
Rank 1,040 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.11% | 0.35% | 0.74% | 1.18% | Beats 10% | 1,513 / 1,683 | | |
| Return on Equity | -0.93% | 2.67% | 5.89% | 8.74% | Beats 10% | 1,520 / 1,681 | | |
| Net Interest Margin | 4.01% | 3.31% | 3.82% | 4.32% | Beats 61% | 662 / 1,683 | | |
| Efficiency Ratio | 100.67% | 68.91% | 78.20% | 86.93% | Beats 7% | 1,566 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.12% | 0.26% | 0.65% | 1.29% | Beats 29% | 1,192 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.72% | 10.44% | 12.89% | 16.53% | Beats 38% | 1,040 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.72% | 10.44% | 12.89% | 16.53% | Beats 38% | 1,040 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 89.72% | 52.61% | 69.38% | 83.50% | 86th pctl | 240 / 1,683 | | |
| Loans / Assets | 78.47% | 44.71% | 59.18% | 70.72% | 89th pctl | 182 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |