PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Silver State Schools

Las Vegas, NV · Charter 97085

NCUA · 11 branches

Q2 2026

$1.3BAssets
$1.0BLoans
$1.2BShares
$133.3MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.90%, up 34 bps year over year; NIM at 3.70%.
  • Asset quality: problem loans at 0.59% of loans (+2 bps YoY).
  • Capital: net worth / assets of 10.15%, up 65 bps from a year ago.
  • Funding: loans stand at 89.35% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.90%+34 bps YoY

Net Interest Margin (quarter, annualized)

3.70%+16 bps YoY

Efficiency Ratio (quarter, annualized)

68.17%-880 bps YoY

Net Worth / Assets

10.15%+65 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.56%0.93%0.98%0.83%0.90%+34 bps
Return on Equity5.90%9.35%9.79%8.36%8.89%+299 bps
Net Interest Margin3.55%3.59%3.52%3.74%3.70%+16 bps
Efficiency Ratio76.97%71.60%67.94%68.13%68.17%-880 bps
Growth
Asset Growth (YoY)4.34%2.46%2.26%2.52%3.48%-86 bps
Loan Growth (YoY)5.67%5.20%10.92%14.64%12.66%+699 bps
Share Growth (YoY)3.79%1.52%0.30%-0.47%0.50%-329 bps
Asset Quality
Delinquent Loans / Loans0.57%0.48%0.56%0.49%0.59%+2 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.50%9.89%9.96%9.88%10.15%+65 bps
Net Worth / Assets9.50%9.89%9.96%9.88%10.15%+65 bps
Liquidity & Funding
Loans / Shares79.70%82.59%85.78%88.45%89.35%+964 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps