BlastPoint's Credit Union Scorecard
SILVERADO
Charter #68491 · CA
SILVERADO has 4 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.08% above tier average
- + Loan-to-Member Ratio (LMR): Top 3.7% in tier
- + Average Member Relationship (AMR): Top 6.0% in tier
- + Loan-to-Share Ratio: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - ROA 1.39% below tier average
- - Efficiency ratio 11.88% above tier (higher cost structure)
- - Member decline: -7.8% YoY
- - First Mortgage Concentration (%): Bottom 0.9% in tier
- - Asset Growth Rate: Bottom 3.7% in tier
- - Deposit Growth Rate: Bottom 4.1% in tier
- - Member Growth Rate: Bottom 9.1% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 85 that size in California.
- Shares and deposits -13.3% year over year ($41.9M in shares and deposits).
- Membership: 2,895 members, -7.8% vs a year ago.
- Delinquency rate 1.12%.
- Return on assets 0.11%.
- Efficiency ratio 100.65% vs a 88.77% peer average.
- Loan-to-share ratio 89.72% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,895
-7.8% YoY-1.3% QoQ
|
+309 |
2,585
-1.7% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
66% |
| Assets |
$47.9M
-11.5% YoY-1.5% QoQ
|
+$17.6M |
$30.3M
+1.5% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
76% |
| Loans |
$37.6M
-2.9% YoY-1.2% QoQ
|
+$22.1M |
$15.5M
-1.7% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
Top 11.9% in tier |
| Deposits |
$41.9M
-13.3% YoY-1.7% QoQ
|
+$16.1M |
$25.8M
+1.1% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
76% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.1%
-87.4% YoY-130.9% QoQ
|
-1.4% |
1.5%
+241.5% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
Bottom 6.8% in tier |
| NIM |
4.0%
+0.9% YoY+0.6% QoQ
|
+0.1% |
3.9%
+0.9% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
55% |
| Efficiency Ratio |
100.6%
+25.1% YoY-6.5% QoQ
|
+11.9% |
88.8%
-6.9% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
Bottom 13.0% in tier |
| Delinquency Rate |
1.1%
+1225.6% YoY-4.8% QoQ
|
-0.4 |
1.5%
+2.1% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
64% |
| Loan To Share |
89.7%
+12.1% YoY+0.5% QoQ
|
+30.8% |
58.9%
-3.1% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
Top 9.6% in tier |
| AMR |
$27,447
-1.0% YoY-0.2% QoQ
|
+$12K |
$14,963
-6.8% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
Top 6.1% in tier |
| CD Concentration |
8.8%
+17.6% YoY+12.4% QoQ
|
-15.8% | 24.6% | 22.2% | 20.0% | 50% |
| Indirect Auto % |
0.4%
-43.9% YoY-9.0% QoQ
|
-13.2% | 13.6% | 9.2% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)