SILVER STATE SCHOOLS
Charter #97085 · Las Vegas, NV · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 0.03% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 68.13% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 21st percentile but its structural peers at the 56th — a 35-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 | SILVER STATE SCHOOLS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.32B | 21th pct | 56th pct |
| Members | 68,633 | 17th pct | 43th pct |
| Net worth ratio | 9.88% | 30th pct | 30th pct |
| Return on average assets | 0.84% | 59th pct | 54th pct |
| Net interest margin | 3.79% | 79th pct | 70th pct |
| Cost of funds | 0.03% | 1th pct | 0th pct |
| Loan-to-share | 88.45% | 56th pct | 52th pct |
| Delinquency 60+ days | 0.49% | 36th pct | 43th pct |
| Net charge-off ratio | 0.78% | 74th pct | 67th pct |
| Loan growth YoY | 8.74% | 94th pct | 95th pct |
| Share growth YoY | 1.54% | 14th pct | 13th pct |
| Efficiency ratio | 68.13% | 34th pct | 23th pct |
structural peer set hash: e321e6a6bf08bc8ab2cdb2b3632ae789… (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.