Federal credit union · Las Vegas, Nevada · NCUA charter #97085
Silver State Schools
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $1.28B
- Total assets
- 67,184
- Members
- 9.9%
- Net-worth ratio
Silver State Schools scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.28B; members 67,184; net-worth ratio 9.88%; health rank #544 of 4,374; healthier than 87th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#544 of 4,374 health · 2025Q4Silver State Schools · health 94/100 · $1.28B · 2025Q4
- MEM 94/100
- RANK 9.9%
- PHOTO 0.56%
- BOOK 0.14%
- CHARTER $1.28B
- NCUSIF 67,184
- CAMELS #544/4,374
- HEALTH Notre Dame
- NW 97085
Call Report peers
Silver State Schools in the assets neighbourhood
Silver State Schools's $1.28B assets sit next to Notre Dame ($1.28B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Silver State Schools vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
94 Top 13% higher than 87% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Silver State Schools - Share Insurance Coverage
Charter #97085's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Peer-gap read for Silver State Schools
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +1.88 pp (85.78% vs 83.90%).
- Largest lag: Net Worth Ratio at 9.88% vs peer 11.18% (-1.30 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Silver State Schools: in-state Call Report ranks
- Nevada health ordinal: #6 of 13.
- Nevada assets place: #4 of 13.
- Membership ranks #3 of 13 among Nevada CUs with a reported count (67,184 members).
In-state ordinals use the live credit_unions table for NV only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Silver State Schools's 5300 filing moved
Silver State Schools: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.9% from $1.28B (2025Q4) to $1.32B (2026Q1).
- Net-worth ratio shifted -0.08 pp (9.96% → 9.88%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 9.88%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 94/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 94.
- Net Worth Ratio 29.7 pts
- Delinquency Rate 24.4 pts
- Return on Assets 9.6 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 15.3 pts
Call Report ratios for Silver State Schools
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.88% | -1.30 pp |
| Delinquency Rate | 0.56% | -0.32 pp |
| Return on Assets | 0.14% | -0.37 pp |
| Member Growth | 5.50% | - |
| Loan-to-Share Ratio | 85.78% | +1.88 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Silver State Schools filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.32B | - |
| 2025Q4 | $1.28B | 67,184 |
| 2024Q4 | $1.25B | 63,684 |
| 2023Q4 | $1.14B | 63,449 |
Credit Union Details
- Charter Number
- 97085
- Type
- Federal
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Nevada
- City
- Las Vegas
- Data Quarter
- 2025Q4
Branch Locations (11)
Silver State Schools operates 11 offices across 3 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Head Quarters (Main Office) | Las Vegas, NV |
| Whitney | Henderson, NV |
| Water Street | Henderson, NV |
| Serene | Las Vegas, NV |
| Tule Springs | Las Vegas, NV |
| Winterwood Branch | Las Vegas, NV |
| Cimarron | Las Vegas, NV |
| Westcliff | Las Vegas, NV |
| Tropicana | Las Vegas, NV |
| Cactus | Las Vegas, NV |
| Aliante | North Las Vegas, NV |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Nevada
Other federally-insured credit unions in Nevada, closest first by peer group and asset size.
Silver State Schools nationwide neighbourhoods
Silver State Schools's nationwide photo peers by assets and by health score, excluding Nevada charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.28B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (94/100 here).
Using this data
- Silver State Schools ranks #544 of 4,374 nationally on financial health and #6 of 13 in NV -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- One Nevada is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with One Nevada
- Rates and health both vary by institution, not just by state -- see how Nevada credit unions compare overall before assuming this one is typical. Nevada state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Silver State Schools financially healthy?
Silver State Schools scores 94/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #544 of 4,374; by total assets it ranks #382 of 4,374 nationally (same basis as /rankings/largest); and #4 of 13 within Nevada. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 9.88% net worth ratio and a 0.56% delinquency rate.
How does Silver State Schools compare to other credit unions?
94/100 is Silver State Schools's score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Silver State Schools?
Membership eligibility for Silver State Schools depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Silver State Schools directly for current membership requirements and application steps.
Is my money safe at Silver State Schools?
Federal credit unions like Silver State Schools are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Silver State Schools's net worth ratio of 9.88% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Silver State Schools offer compared to banks?
Credit unions like Silver State Schools are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Silver State Schools directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.