| Metric | Silverado Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -14.3% | +1.3% | -15.6 pts |
| Share growth (YoY) | -16.6% | +0.7% | -17.2 pts |
| Loan growth (YoY) | +0.8% | -2.4% | +3.2 pts |
| ROA | -0.35% | 0.60% | -1.0 pts |
| ROE | -3.0% | 4.1% | -7.1 pts |
ROA ranks in the 15th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $48.6M | $42.6M | $38.0M | $5.6M | $-42K | -0.35% | 3.96% | 1.18% | 2,932 |
| Q4 2025 | $50.0M | $44.2M | $38.3M | $5.6M | $302K | 0.60% | 4.21% | 1.18% | 2,918 |
| Q3 2025 | $52.9M | $47.1M | $37.8M | $5.6M | $293K | 0.74% | 4.05% | 0.10% | 2,973 |
| Q2 2025 | $54.1M | $48.3M | $38.7M | $5.6M | $235K | 0.87% | 4.04% | 0.08% | 3,140 |
| Q1 2025 | $56.7M | $51.0M | $37.7M | $5.5M | $110K | 0.78% | 3.83% | 0.10% | 3,155 |
| Q4 2024 | $57.3M | $51.7M | $37.7M | $5.3M | $451K | 0.79% | 3.76% | 0.06% | 3,133 |
| Q3 2024 | $55.9M | $50.4M | $37.7M | $5.3M | $395K | 0.94% | 3.80% | 0.01% | 3,155 |
| Q2 2024 | $55.0M | $49.6M | $37.2M | $5.2M | $268K | 0.97% | 3.83% | 0.01% |
| Ratio | Silverado Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.35% | 0.60% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | -3.0% | 4.1% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.96% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,161 |
Loan mix (Q1 2026): real estate $35.7M · commercial $370K · consumer $1.8M · securities $6.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 107.7% | 81.5% | 89th |
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% |
| Ratio | Silverado Credit Union | 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% |
| Ratio | Silverado Credit Union | 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% |
| Ratio | Silverado Credit Union | 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% |
| Ratio | Silverado Credit Union | 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% |
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