State credit union · ANGWIN, California · NCUA charter #68491
SILVERADO
Health score 79/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $50.0M
- Total assets
- 2,918
- Members
- 11.5%
- Net-worth ratio
SILVERADO scores 79/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $50.0M; members 2,918; net-worth ratio 11.52%; health rank #2,868 of 4,374; healthier than 33rd of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,868 of 4,374 health · 2025Q4SILVERADO · health 79/100 · $50.0M · 2025Q4
- CAMELS 79/100
- HEALTH 11.5%
- NW 1.18%
- DELQ 0.90%
- ROA $50.0M
- ASSETS 2,918
- MEM #2,868/4,374
- RANK Bridgeton Onized
- PHOTO 68491
Call Report peers
SILVERADO in the assets neighbourhood
SILVERADO's $50.0M assets sit next to Bridgeton Onized ($49.9M) 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.
SILVERADO 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
79 33rd percentile higher than 33% 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
SILVERADO - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #68491, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for SILVERADO
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +26.82 pp (86.62% vs 59.80%).
- Net Worth Ratio trails the peer set - 11.52% here, 14.86% peer average (-3.34 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
California standing for SILVERADO
- In California, health place is #167 of 243 on the same NCUA-ratio sort used nationally.
- California assets place: #185 of 243.
- Membership ranks #184 of 243 among California CUs with a reported count (2,918 members).
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How SILVERADO's 5300 filing moved
SILVERADO: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -2.8% from $50.0M (2025Q4) to $48.6M (2026Q1).
- Net-worth ratio shifted +0.24 pp (11.28% → 11.52%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 11.52% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 79/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 79.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 18.6 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.4 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.52% | -3.34 pp |
| Delinquency Rate | 1.18% | +0.04 pp |
| Return on Assets | 0.90% | +0.20 pp |
| Member Growth | -6.86% | - |
| Loan-to-Share Ratio | 86.62% | +26.82 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Call Report history - SILVERADO
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $48.6M | - |
| 2025Q4 | $50.0M | 2,918 |
| 2024Q4 | $57.3M | 3,133 |
| 2023Q4 | $56.5M | 3,212 |
Credit Union Details
- Charter Number
- 68491
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- California
- City
- ANGWIN
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for SILVERADO, spread across 3 cities in 2 states.
| Office | City |
|---|---|
| Silverado Home Office (Main Office) | Angwin, CA |
| Silverado Idaho Office | Nampa, ID |
| Silverado St. Helena Office | Saint Helena, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
More federally-insured credit unions based in California, ordered by peer group match and asset size.
Other-state peers near SILVERADO
SILVERADO's nationwide photo peers by assets and by health score, excluding California charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($50.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (79/100 here).
Using this data
- SILVERADO ranks #2,868 of 4,374 nationally on financial health and #167 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Fresno Police Department is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Fresno Police Department
- Rates and health both vary by institution, not just by state -- see how California credit unions compare overall before assuming this one is typical. California 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 SILVERADO financially healthy?
A 11.52% net worth ratio and a 1.18% delinquency rate feed into SILVERADO's financial health score of 79/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,868 of 4,374; by total assets it ranks #2,403 of 4,374 nationally (same basis as /rankings/largest); and #185 of 243 within California. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does SILVERADO compare to other credit unions?
On PlainCU's health composite, SILVERADO lands at 79/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (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 SILVERADO?
Membership eligibility for SILVERADO depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact SILVERADO directly for current membership requirements and application steps.
Is my money safe at SILVERADO?
Federal credit unions like SILVERADO 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. SILVERADO's net worth ratio of 11.52% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does SILVERADO offer compared to banks?
Credit unions like SILVERADO 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 SILVERADO 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.