Silver State Schools Credit Union
Total assets
$1.32B
▲ +2.5% YoY
Shares & deposits
$1.17B
▼ -0.5% YoY
Loans
$1.04B
▲ +14.6% YoY
Members
68,633
▲ +7.8% YoY
ROA (annualized)
0.83%
peers 0.71%
ROE (annualized)
8.36%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.5% | +5.1% | -2.6 pts |
| Share growth (YoY) | -0.5% | +4.9% | -5.3 pts |
| Loan growth (YoY) | +14.6% | +5.4% | +9.2 pts |
| ROA | 0.83% | 0.71% | +0.1 pts |
| ROE | 8.4% | 6.3% | +2.1 pts |
ROA ranks in the 60th percentile of its peer group · Q1 2026
Profile
- Established
- 1951
- Charter
- NFICU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 630 Trade Center Dr, Las Vegas, NV, 89119
- NCUA charter #
- 97085
- RSSD ID
- 408286
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.32B | $1.17B | $1.04B | $130.1M | $2.7M | 0.83% | 3.74% | 0.49% | 68,633 |
| Q4 2025 | $1.28B | $1.16B | $995.5M | $127.4M | $12.5M | 0.98% | 3.52% | 0.56% | 67,184 |
| Q3 2025 | $1.27B | $1.16B | $954.2M | $125.8M | $8.8M | 0.93% | 3.59% | 0.48% | 66,091 |
| Q2 2025 | $1.27B | $1.16B | $925.2M | $120.6M | $3.6M | 0.56% | 3.55% | 0.57% | 65,423 |
| Q1 2025 | $1.28B | $1.18B | $905.2M | $118.4M | $1.4M | 0.45% | 3.35% | 0.48% | 63,684 |
| Q4 2024 | $1.25B | $1.16B | $897.5M | $117.0M | $1.8M | 0.15% | 2.82% | 0.69% | 63,684 |
| Q3 2024 | $1.24B | $1.14B | $907.1M | $120.9M | $3.5M | 0.38% | 2.76% | 0.69% | 62,745 |
| Q2 2024 | $1.22B | $1.12B | $875.6M | $119.3M | $1.9M | 0.32% | 2.72% | 0.80% | 65,821 |
Loan mix (Q1 2026): real estate $357.4M · commercial $34.3M · consumer $643.2M · securities $158.5M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.83% | 0.71% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 8.4% | 6.3% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.74% | 3.32% | 78th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.1% | 73.0% | 32th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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