BlastPoint's Credit Union Scorecard
SILVERADO
Charter #68491 · CA
SILVERADO has 3 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Loan-to-Member Ratio (LMR): Top 3.3% in tier
- + Average Member Relationship (AMR): Top 5.6% in tier
- + Loan-to-Share Ratio: Top 8.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.49% below tier average
- - Efficiency ratio 17.01% above tier (higher cost structure)
- - Member decline: -7.1% YoY
- - First Mortgage Concentration (%): Bottom 0.8% in tier
- - Asset Growth Rate: Bottom 2.1% in tier
- - Deposit Growth Rate: Bottom 2.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,932
-7.1% YoY+0.5% QoQ
|
+255 |
2,676
+1.6% YoY
|
57,202
-0.9% YoY
|
33,913
+5.7% YoY
|
67% |
| Assets |
$48.6M
-14.3% YoY-2.8% QoQ
|
+$18.4M |
$30.2M
+1.3% YoY
|
$1.2B
+0.4% YoY
|
$578.3M
+9.0% YoY
|
76% |
| Loans |
$38.0M
+0.8% YoY-0.7% QoQ
|
+$22.7M |
$15.3M
-2.0% YoY
|
$813.8M
+0.1% YoY
|
$402.4M
+8.7% YoY
|
Top 11.1% in tier |
| Deposits |
$42.6M
-16.6% YoY-3.6% QoQ
|
+$16.8M |
$25.8M
+0.7% YoY
|
$1.0B
+1.2% YoY
|
$494.3M
+9.1% YoY
|
77% |
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| ROA |
-0.3%
-145.0% YoY-159.2% QoQ
|
-0.5% |
0.1%
-77.6% YoY
|
2.1%
+290.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 15.0% in tier |
| NIM |
4.0%
+3.8% YoY-3.2% QoQ
|
-0.1% |
4.0%
+4.0% YoY
|
5.0%
+56.5% YoY
|
3.8%
+4.1% YoY
|
56% |
| Efficiency Ratio |
107.6%
+32.1% YoY+24.4% QoQ
|
+17.0% |
90.6%
+6.5% YoY
|
81.3%
-2.7% YoY
|
84.6%
+2.8% YoY
|
Bottom 10.9% in tier |
| Delinquency Rate |
1.2%
+1034.7% YoY-0.6% QoQ
|
-0.3 |
1.5%
+3.8% YoY
|
0.6%
-45.1% YoY
|
1.2%
+3.4% YoY
|
68% |
| Loan To Share |
89.3%
+20.9% YoY+3.0% QoQ
|
+30.8% |
58.5%
-3.0% YoY
|
67.3%
-0.6% YoY
|
65.6%
-1.4% YoY
|
Top 9.0% in tier |
| AMR |
$27,491
-2.3% YoY-2.8% QoQ
|
+$13K |
$14,884
-1.7% YoY
|
$28,733
+1.2% YoY
|
$19,920
+1.6% YoY
|
Top 5.7% in tier |
| CD Concentration |
7.8%
+13.3% YoY-0.6% QoQ
|
-16.5% | 24.3% | 21.6% | 19.8% | 50% |
| Indirect Auto % |
0.4%
-45.9% YoY-4.9% QoQ
|
-13.4% | 13.8% | 9.0% | 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)