SILVER STATE SCHOOLS

Charter #97085 | NV

1B-3B (304 CUs) Mid-Market (380 CUs)
4 1B-3B in NV

SILVER STATE SCHOOLS has 5 strengths but faces 3 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 3.2% in tier
  • + Organic Growth Engine: Top 15.1% in tier
  • + ROA 0.22% above tier average
  • + Net Interest Margin 0.33% above tier average
  • + Strong member growth: 5.3% YoY

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 13.6% in tier
  • - Shrinking Wallet Share: Bottom 18.5% in tier
  • - Indirect Auto Concentration (%): Bottom 6.6% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (NV) National Avg Tier Percentile
Members 66,091
+5.3% YoY+1.0% QoQ
 -32.6K 98,678
-1.9% YoY
 31,753
+2.4% YoY
 33,089
+6.1% YoY
 Bottom 20.7% in tier
Assets $1.3B
+2.5% YoY+0.2% QoQ
 $-447.8M $1.7B
+0.5% YoY
 $652.3M
+3.7% YoY
 $547.7M
+7.8% YoY
 28th in tier
Loans $954.2M
+5.2% YoY+3.1% QoQ
 $-278.8M $1.2B
+0.5% YoY
 $403.3M
+6.9% YoY
 $388.7M
+8.6% YoY
 34th in tier
Deposits $1.2B
+1.5% YoY-0.5% QoQ
 $-298.9M $1.5B
+1.3% YoY
 $580.1M
+3.6% YoY
 $464.6M
+9.3% YoY
 37th in tier
ROA 0.9%
+141.4% YoY+66.4% QoQ
 +0.2% 0.7%
+13.4% YoY
 1.0%
-0.0% YoY
 0.7%
+273.4% YoY
 70th in tier
NIM 3.6%
+28.8% YoY+1.9% QoQ
 +0.3% 3.3%
+9.3% YoY
 3.3%
+3.9% YoY
 3.7%
+5.0% YoY
 72nd in tier
Efficiency Ratio 71.6%
-10.8% YoY-7.0% QoQ
 -2.4% 74.0%
-10.9% YoY
 67.2%
-0.6% YoY
 79.1%
-3.3% YoY
 37th in tier
Delinquency Rate 0.5%
-30.7% YoY-15.6% QoQ
 -0.3 0.8%
+6.1% YoY
 0.9%
+2.2% YoY
 1.2%
-0.9% YoY
 30th in tier
Loan To Share 82.6%
+3.6% YoY+3.6% QoQ
 -2.6% 85.2%
-0.8% YoY
 63.1%
+0.5% YoY
 68.0%
-1.7% YoY
 36th in tier
AMR $31,920
-2.1% YoY+0.1% QoQ
 +$3K $29,172
+2.8% YoY
 $28,845
+4.1% YoY
 $19,418
+1.3% YoY
 73rd in tier
CD Concentration 24.0%
-17.5% YoY-1.5% QoQ
 -5.0% 29.0%
+0.8% YoY
 18.3%
+6.3% YoY
 19.6%
+6.2% YoY
 27th in tier
Indirect Auto % 46.9%
-6.4% YoY-5.2% QoQ
 +28.1% 18.8%
-2.8% YoY
 22.8%
-3.2% YoY
 7.9%
-2.9% YoY
 Top 6.9% in tier

Signature Analysis

Strengths (2)

Emerging Performer

growth
#18 of 184 • Top 3.2% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.93%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Member Growth (YoY): 5.33%
(Tier: 3.18%, National: 9.37%)
better than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | Rank improving

Organic Growth Engine

growth
#110 of 246 • Top 15.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 5.33%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 0.93%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 46.90%
(Tier: 18.80%, National: 7.90%)
but worse than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | New qualifier

Concerns (2)

Indirect Auto Dependency

risk
#85 of 202 • Bottom 13.6% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 2.46%
(Tier: 5.36%, National: 3.04%)
worse than tier avg
Indirect Auto %: 46.90%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 5.33%
(Tier: 3.18%, National: 9.37%)
but better than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank worsening

Shrinking Wallet Share

decline
#57 of 83 • Bottom 18.5% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -2.07%
(Tier: 3.04%, National: 4.19%)
worse than tier avg
83 of 380 Mid-Market CUs have this signature | 346 nationally
↓ Shrinking -55 CUs YoY | New qualifier

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)

Comparing against 304 peers in tier

Top Strengths (2 metrics)

54
Fee Income Per Member
profitability
Value: $263.58
Peer Avg: $210.52
#54 of 304 Top 17.4% in 1B-3B tier
54
Member Growth Rate
growth
Value: 5.33%
Peer Avg: 2.20%
#54 of 304 Top 17.4% in 1B-3B tier

Top Weaknesses (4 metrics)

285
Indirect Auto Concentration (%)
balance_sheet
Value: 46.90%
Peer Avg: 18.32%
#285 of 304 Bottom 6.6% in 1B-3B tier
260
AMR Growth Rate
growth
Value: -2.07%
Peer Avg: 3.29%
#260 of 304 Bottom 14.8% in 1B-3B tier
241
Total Members
engagement
Value: 66,091
Peer Avg: 98,678
#241 of 304 Bottom 21.1% in 1B-3B tier
234
Deposit Growth Rate
growth
Value: 1.52%
Peer Avg: 5.58%
#234 of 304 Bottom 23.4% in 1B-3B tier