Credit Union Safety Analysis
Is Silverado Credit Union Safe? Angwin, California
Based on its Q2 2026 NCUA 5300 call report, Silverado Credit Union has a net worth ratio of 11.72%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.12%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Silverado Credit Union's net worth ratio is 11.72%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.72%
- Delinquency ratio (60+ days) (Q2 2026): 1.12%
- Return on assets (Q2 2026): 0.14%
- Loan-to-share ratio (Q2 2026): 89.72%
Silverado Credit Union (NCUA charter 68491, established 1953) reported $47.9M in assets and 2,895 members for Q2 2026 from Angwin, California. It ranks 189 of 238 credit unions in California by total assets. Total assets fell 11.5% from $54.1M on June 30, 2025. It has 245 fewer members than on June 30, 2025 (-7.8%). Its net worth ratio was up 1.41 percentage points from 10.31% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $35.4M of $37.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.12% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 11.52% for Q1 2026; 10.31% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 1.18% for Q1 2026; 0.08% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: -0.35% for Q1 2026; 0.93% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 89.26% for Q1 2026; 80.06% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $35.4M
- Used vehicle loans: $1.0M
- Unsecured credit card loans: $378K
- Commercial loans: $367K
- New vehicle loans: $299K
- Other secured non-real estate loans and lines of credit: $109K
- Other unsecured loans and lines of credit: $46K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $47.9M | 11.72% | 1.12% | 0.14% | 89.72% |
| March 31, 2026 | $48.6M | 11.52% | 1.18% | -0.35% | 89.26% |
| December 31, 2025 | $50.0M | 11.28% | 1.18% | 0.08% | 86.62% |
| September 30, 2025 | $52.9M | 10.65% | 0.10% | 0.43% | 80.26% |
| June 30, 2025 | $54.1M | 10.31% | 0.08% | 0.93% | 80.06% |
| March 31, 2025 | $56.7M | 9.62% | 0.10% | 0.78% | 73.86% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Silverado Credit Union profile
Regulator records: NCUA credit union profile (charter 68491) · FFIEC NIC profile (RSSD 592783)
Frequently asked questions
Is Silverado Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Silverado Credit Union's net worth ratio is 11.72%, above the 7% NCUA threshold for well capitalized.
Is Silverado Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Silverado Credit Union is a federally insured credit union (NCUA charter 68491): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Silverado Credit Union's key safety ratios?
For Q2 2026, Silverado Credit Union reports net worth 11.72%, delinquency 1.12%, ROA 0.14%, loan-to-share 89.72%.
What happens to my money if Silverado Credit Union fails?
For Q2 2026, Silverado Credit Union held $41.9M in shares and deposits for 2,895 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.