BlastPoint's Credit Union Scorecard
SILVERADO
Charter #68491 · CA
SILVERADO has 3 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.14% above tier average
- + Loan-to-Member Ratio (LMR): Top 3.4% in tier
- + Average Member Relationship (AMR): Top 5.4% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 3.96% above tier (higher cost structure)
- - Member decline: -6.9% YoY
- - First Mortgage Concentration (%): Bottom 0.9% in tier
- - Asset Growth Rate: Bottom 2.5% in tier
- - Deposit Growth Rate: Bottom 2.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,918
-6.9% YoY-1.8% QoQ
|
+302 |
2,615
-1.9% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
66% |
| Assets |
$50.0M
-12.7% YoY-5.5% QoQ
|
+$19.8M |
$30.1M
+2.1% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
77% |
| Loans |
$38.3M
+1.6% YoY+1.4% QoQ
|
+$22.5M |
$15.8M
-1.3% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
Top 11.8% in tier |
| Deposits |
$44.2M
-14.5% YoY-6.1% QoQ
|
+$18.5M |
$25.7M
+1.4% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
78% |
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| ROA |
0.6%
-26.4% YoY-19.4% QoQ
|
+0.0% |
0.6%
+10.8% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
44% |
| NIM |
4.1%
+7.5% YoY+2.2% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
58% |
| Efficiency Ratio |
86.5%
+7.6% YoY+4.1% QoQ
|
+4.0% |
82.6%
-2.3% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
67% |
| Delinquency Rate |
1.2%
+1740.6% YoY+1063.9% QoQ
|
-0.4 |
1.6%
-3.1% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
65% |
| Loan To Share |
86.6%
+18.9% YoY+7.9% QoQ
|
+26.0% |
60.6%
-3.1% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
Top 13.5% in tier |
| AMR |
$28,270
-0.9% YoY-0.9% QoQ
|
+$13K |
$14,783
-1.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
Top 5.4% in tier |
| CD Concentration |
7.9%
+22.3% YoY+7.2% QoQ
|
-16.6% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % |
0.4%
-49.5% YoY-13.6% QoQ
|
-13.3% | 13.8% | 9.2% | 7.8% | 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)