SILVERADO
Charter #68491 · ANGWIN, CA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.34% sits at the 11th percentile of structural peers — worth a closer look.
- Cost of funds of 0.51% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 107.65% sits at the 90th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 99th percentile but its structural peers at the 31st — a 67-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | SILVERADO | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $48.60M | 99th pct | 31th pct |
| Members | 2,932 | 73th pct | 34th pct |
| Net worth ratio | 11.52% | 32th pct | 51th pct |
| Return on average assets | -0.34% | 12th pct | 11th pct |
| Net interest margin | 3.90% | 52th pct | 74th pct |
| Cost of funds | 0.51% | 33th pct | 11th pct |
| Loan-to-share | 89.26% | 93th pct | 59th pct |
| Delinquency 60+ days | 1.18% | 72th pct | 72th pct |
| Net charge-off ratio | 0.03% | 39th pct | 33th pct |
| Loan growth YoY | 0.66% | 75th pct | 72th pct |
| Share growth YoY | -9.49% | 1th pct | 0th pct |
| Efficiency ratio | 107.65% | 93th pct | 90th pct |
structural peer set hash: ec5b153d60b7d359774eea05123406c2… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.