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.
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NCUA 5300 Call Report Masthead
#2,868 of 4,374 health · 2025Q4SILVERADO · health 79/100 · $50.0M · 2025Q4
Call Report peers
SILVERADO in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); SILVERADO sits in 75-79 with 502 others.
79 33rd percentile higher than 33% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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).
- One place up in California, Sea West Coast Guard (#166) ties at 79/100; one place down, First Technology (#168) ties at 79/100.
How SILVERADO's 5300 filing moved
SILVERADO: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -2.8% from $50.0M (2025Q4) to $48.6M (2026Q1).
- Net-worth ratio shifted +0.24 pp (11.28% → 11.52%).
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
SILVERADO gives up 21 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is SILVERADO financially healthy?
SILVERADO has a financial health score of 79/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,868 of 4,374 nationally on health and #167 of 243 in California. Its net worth ratio is 11.52% and its delinquency rate 1.18%.
How does SILVERADO compare to other credit unions?
SILVERADO scores 79/100, higher than 33% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (86.62% vs 59.80%). Its widest shortfall is net worth ratio (11.52% vs 14.86%).
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?
SILVERADO is a state-chartered credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.