# SILVERADO
ANGWIN, CA · NCUA charter 68491 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/silverado-68491

Who the members are: state charter, organized 1953. 2,932 members of 10,000 potential (29.3% of the field); checking penetration 41% (share draft accounts per 100 members); loans per 100 members 29.

**Verdict on the desk:** this could be *ordinary*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $48.6M |
| Members | 2,932 (-7.1% YoY) |
| Full-time staff | 11 |
| Net worth | $5.6M |
| Net worth ratio | 11.5% (p27 of band) |
| ROA (annualized) | -0.35% (p17 of band) |
| Total delinquency | 1.18% (p66 of band) |
| Net charge-offs (annualized) | 0.03% (p53 of band) |
| Loans / shares | 89% (p90 of band) |
| Cash / assets | 19.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.96% (p53 of band) |
| Operating expense / assets | 4.56% (p71 of band) |
| Vehicles % of loans | 4% (p6 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 12% |
| Third-party paper % of net worth | 3% (p88 of band) |
| Vehicle delinquency | 0.00% (p16 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 94% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 1% |
| Commercial % of net worth | 7% |
| Core shares % of member funds | 75% |
| Certificates % of member funds | 8% |
| Average share balance | $8,772 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 29% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $44,725 |
| Loans granted, annualized | $926,400 |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **delinquency rising** (`aq_dq_rising`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | net worth falling |  |
| 2017-03 | 3 | members leaving |  |
| 2017-06 | 1 |  | net worth falling, members leaving |
| 2017-09 | 2 | members leaving |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 3 | delinquency rising |  |
| 2018-06 | 2 |  | delinquency rising |
| 2018-09 | 2 |  |  |
| 2018-12 | 3 | delinquency rising |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 3 | assets shrinking | thin capital |
| 2019-09 | 3 | thin capital | delinquency rising |
| 2019-12 | 4 | delinquency rising |  |
| 2020-03 | 2 |  | assets shrinking, delinquency rising |
| 2020-06 | 4 | net worth falling, margin squeeze |  |
| 2020-09 | 5 | delinquency rising |  |
| 2020-12 | 7 | capital below 7%, repo signal | delinquency rising |
| 2021-03 | 7 | losing money | repo signal |
| 2021-06 | 7 | delinquency rising | members leaving |
| 2021-09 | 6 |  | delinquency rising |
| 2021-12 | 5 | members leaving | net worth falling, margin squeeze |
| 2022-03 | 6 | delinquency rising |  |
| 2022-06 | 5 | net worth falling | losing money, delinquency rising |
| 2022-09 | 4 |  | net worth falling |
| 2022-12 | 4 |  |  |
| 2023-03 | 3 | assets shrinking | capital below 7% |
| 2023-06 | 3 |  |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 4 | delinquency rising |  |
| 2024-03 | 3 |  | thin capital |
| 2024-06 | 2 |  | delinquency rising |
| 2024-09 | 0 |  | members leaving, assets shrinking |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | delinquency rising |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 3 | assets shrinking, members leaving |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 4 | losing money |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-12-18 [California - Newsweek Rankings](https://news.google.com/rss/articles/CBMikgFBVV95cUxOTGxlNEF4aW9OOVBlYVYxTjRYMDRvUHFnM3RSZjR0MWpGYi1MbXZHdU5RREhWalRxUENSYlZyQUQ0M1haYThOaWRZSHl5LWVselpYOUpBWmNnOHdaWWJxTXdiczhfc0hOcjFKZ1A1amtUT2k5UU0wRWd6Wk41aEJGOF9MOFBJZE5BeU51XzVyck1PUQ?oc=5) · Newsweek Rankings
- 2026-04-08 [Kremser Leads Spartans To T6th-Place Finish at Chevron Silverado Showdown - San Jose State Spartans](https://news.google.com/rss/articles/CBMiswFBVV95cUxQSXl2T3J6UllQSzRENlJWdTc5Nk91MDBxamRWOUZ3azNkUDR2SE44RVRoaVhkemYzaWY4MjU5N2xzQmFqZjlPa1NHMng1cm1xWHNPNFYwMWNpblJTVTZ5SHZTMW1UYTkyOHB2amwyS0llWGQ2NUptRWpMSEEtUDFHSWt3MGxsdEZLSmRZWWcwejJ5NGgwRTk1YXRBT0FlZ1B5a2FBS3lMVlZVbHZWd0hHN3VQVQ?oc=5) · San Jose State Spartans
- 2026-04-08 [Keith Urban, Cole Swindell, Koe Wetzel to Headline Northern California's Country Summer Music Festival - PR Newswire](https://news.google.com/rss/articles/CBMi6wFBVV95cUxObjg0S3pRS0hadjA0LVpaRUVqaVRqSE5wM21BaEJ0SzJ4QXRfMS01ODJDa2dzZHBXc1d5ZnFPUWdIX3B3VDVxU29uWUthTV80VEtrMURJOTItcVdtS2JOWFh3NHJfUHptLUNfeUFOVUFmM2Y4RUZOTzlieUZoZnA3R2QxdUVHc21Ram1yUnd5dGNnVlFEVkZ0VVRWem5BWFZxUldfRWxNS2pBTjB6blVLd25mVndBbjA5UVNhemFsS05HSUtvcXljWTZGVUgxQlB3cnZWQWZkRGl3LVR5RUNuTTRXb0ZOQ3pwMGt3?oc=5) · PR Newswire
- 2026-06-23 [High Desert celebrates America’s 250th with events and fireworks shows - Victorville Daily Press](https://news.google.com/rss/articles/CBMi3AFBVV95cUxQR01ybnVIM285QzBTME9wLVcyd2dLb21hMUZDOGIzMy1TelMxbGRFOUV5TFJ6c1BNMVpCQl81LTREV1dIcmpISWJneldiVDFrcEpENnVkM2RHOVV0QmpCbWZ1Rnd4djBTOFhhT0RfVFFOemVsaXlSRDAtS1VXWng5b3JNWVUwNjBJMl9wZDR3eEZVcXhIbnJNc3Jjc2ZfRmR6ODhHMV9OQ0w1ZFR6aE5pV2JjX2tJZTQwQ0ZzT0V4TFljeUxCQXAzeEc2WFNXTGc2b0RiaU9La1hlQmRK?oc=5) · Victorville Daily Press
- 2024-09-17 [Napa County-based Silverado Credit Union names president/CEO - The Napa Valley Register](https://news.google.com/rss/articles/CBMi5gFBVV95cUxORFJJS0h5aTZndkpfMGpUaFpPaVE3RHh1bWVSdTRIQm42am03aWRDWGk5Tm5fdHpZYy1RY193aWQwVWZzMFdzNklmajg3NU1wdVJWMEg5VUQ0MW5Fa2ptZjI5T3ZlU3U2WjVQZElDNlZtYUt6WnNyRGFYVFpsLWFMN2JGbERkYTRnbVp1bzBXYUdaTmZkdHFjS3RnNEl3cnNaS2VIaTVaNS1SYnYza3FldGNkWFhqdWc5bVlQUEI0SjM5QTA2cGk5bmVDRGk1X2NqaE9tLWRTYXIybi1NXzRkRFdaUTJTZw?oc=5) · The Napa Valley Register
- 2021-04-07 [San Francisco North Bay credit union lending rises 15% in Q4 - The Press Democrat](https://news.google.com/rss/articles/CBMivgFBVV95cUxOYXVwUmtkaTYwNHljNHJMSWRBelRMMTc1Mm5LUzBtUXYtX1Z1NDgwVTVJNnNsb3BER3FNYXFQTk8tWE1xMmFRWnN4X1NidGZvelljWkVjZm85OVJYbDVublhMZ25VcU9BZjJsQUxUcGhMOURBQVlnUFhNUE9OMWVwUEViWWloWVBxQkxkZ1FaX2JVNkR4SjZUMlBBQ2JhRmU0Sl9ocFg1Nmo1a3ptLTRkczdPM3ZoRkpfMERLOTZR?oc=5) · The Press Democrat
- 2018-11-19 [Rep. Mike Thompson (D) is the 16th richest Californian in Congress. - Los Angeles Times](https://news.google.com/rss/articles/CBMie0FVX3lxTE9tY0daNkVzTDFuMjRUNkdYMGtrYWZ5QlQ5Yk5sZWl0VWhoeTBCTEpyUUVZcWlRa0RxT2VTZ1Exb3lTSXlhQ3ZNMnk1SzZScEs0YVFwcFBjTWtMZEU4X2JKYU9YRldCZVVkbU9DS1g5SmVIR1lsdzVEZ0o2cw?oc=5) · Los Angeles Times
- 2024-03-11 [2 Killed In Suspected DUI Head-On Crash In Silverado - Patch](https://news.google.com/rss/articles/CBMikgFBVV95cUxPWmVJRkhKdzI5U09hakxjcXY1WmFnODJqa0tLcENMMXY5ZmxHcmQ1SnRjMU5KNG5xMDl4R3ozTHFCbmhzbHJQQW4xZFN2YzBHbkdiZGJsZjVaU3RlMDN2Z1Nwc2Zycno2d3VnOV83OUF0LVk0Y3JsUFFkOHpsVlBCemtFV2YtLWRGam9TNy1mSlR3QQ?oc=5) · Patch

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68491 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/11.json (key "68491", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=68491
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide