# SILVER STATE SCHOOLS
Las Vegas, NV · NCUA charter 97085 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/silver-state-schools-97085

Who the members are: state charter, organized 1951, low-income designated. 68,633 members of 1,702,068 potential (4.0% of the field); checking penetration 53% (share draft accounts per 100 members); loans per 100 members 50.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.32B |
| Members | 68,633 (7.8% YoY) |
| Full-time staff | 192 |
| Net worth | $130.1M |
| Net worth ratio | 9.9% (p31 of band) |
| ROA (annualized) | 0.83% (p60 of band) |
| Total delinquency | 0.49% (p37 of band) |
| Net charge-offs (annualized) | 0.77% (p74 of band) |
| Loans / shares | 88% (p56 of band) |
| Cash / assets | 5.7% |
| Borrowings / assets | 1.52% |
| Net interest margin | 3.74% (p78 of band) |
| Operating expense / assets | 3.25% (p52 of band) |
| Vehicles % of loans | 55% (p94 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 88% |
| Third-party paper % of net worth | 459% (p96 of band) |
| Vehicle delinquency | 0.56% (p49 of band) |
| Vehicle NCO | 1.07% (p55 of band) |
| Repossessed % of vehicle book | 0.12% (p64 of band) |
| Real estate % of loans | 34% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 26% |
| Core shares % of member funds | 55% |
| Certificates % of member funds | 22% |
| Average share balance | $9,083 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 50% |
| Loans granted per 100 members, annualized | 17% |
| Average loan balance | $30,376 |
| Loans granted, annualized | $470.4M |

## Flags firing in the latest filing

- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, capital below 7% |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 1 |  | capital below 7% |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | 3rd-party paper>100% NW |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 1 |  | thin capital |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | delinquency rising |  |
| 2019-12 | 1 |  | delinquency rising |
| 2020-03 | 3 | net worth falling, margin squeeze |  |
| 2020-06 | 3 |  |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 4 | thin capital |  |
| 2021-06 | 4 |  |  |
| 2021-09 | 2 |  | net worth falling, margin squeeze |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 1 |  | thin capital |
| 2022-09 | 1 |  |  |
| 2022-12 | 2 | delinquency rising |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 1 |  | delinquency rising |
| 2024-03 | 1 |  |  |
| 2024-06 | 2 | net worth falling |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 1 |  | net worth falling |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

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

- 2026-02-18 [Silver State Schools Credit Union announces planned retirement of President/CEO Scott A. Arkills - CUInsight](https://news.google.com/rss/articles/CBMi0gFBVV95cUxQY3hqVFRNN0MyVE1rSzRmbVJSWWVWa0lxRjFYeEFLenpza1g2TDFMTmh1RUlvSDc5eEJKMkVXZ3ZsUXJzZVNYbFFKRUk4OXdNa0M1WDMtaEotSmMtMDV5VXNoMnhseTlLSi1ORFNYUVFSdWZTS0pGdklOLUxWaEFjMVhTYWhxbDh5VHdBeFUycnhReEMtWGRGZDBxSXhTbGRTUVBDaHJkWG82RlJzSHZGQTdsLVd3ZGRDTTdOY1Y5OWJIYlFZZkg3YUdDQU44MmNxTmc?oc=5) · CUInsight
- 2026-08-05 [Silver State Schools Credit Union appoints president, CEO - Las Vegas Review-Journal](https://news.google.com/rss/articles/CBMi1AFBVV95cUxONHBxbmZ6d3p0Q2FLZVVhZU1USjM4V3hiVjVqRlJFS2psZ3VOdWxucmJ1aEpRYWhob19yN2swX0VwOG51UThFQTZNcl9Tb0RnZFNScWEzSUwwcHAzd1RIZFhyYlJ1U2VSV0dXcC0zTml1U09IWWhYX0ZwV1BNWUtwT0I2bEFvbV9kOGpXV2NzU2pLeGE4M005YlQwWEFHR0NBeXppVzByV0tnUmdEc25KTjNkVXR1Z05BN2F1c1Y3TV9wX2h3bUVJX0FzWGdUWWhqNGpodg?oc=5) · Las Vegas Review-Journal
- 2026-04-14 [Rebels Forever Affinity Card Program with Silver State Schools Credit Union - KLAS 8 News Now](https://news.google.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?oc=5) · KLAS 8 News Now
- 2026-09-04 [California, Nevada Credit Union Groups Name 2026 Award Winners - cutoday.info](https://news.google.com/rss/articles/CBMipgFBVV95cUxNVE5rOHZvOXpkQ1RQWmVnNVI4NkFWVGNSVHBZUXp4NkdDUlNNb094SjFSWDlLM0FnUERmQzFCeDhQX1dmbDF0MUlGNDZFVGFvTlMtLTJhaDUzbFBEczJCWlJUZzdJZHAzeXVrVnhKZFJGMUFKck5aRndWY1pXS0ljQWFGUmRqd1V2ckU1YmllemMzX2VKM3h6M1ZubHQyemZuZW55RWdB?oc=5) · cutoday.info
- 2025-12-04 [Credit Unions in NevadaUpdates and Options - Nevada Business Magazine](https://news.google.com/rss/articles/CBMigAFBVV95cUxPYkc5SEVrcUJCemN4OXZfeVJXZ29CUl9RWW13Um84LV9kVmZDR1pFTDR5RENwUjNwQWRmZ09tR0RidWJndWNKTDZKX0M4anZUaGxTWHdsVVd0QlNMWmtwS2pCeWdqUnBqRkxlQkNrZWlvS2JTeWNOYXVlaXhoNmlvRA?oc=5) · Nevada Business Magazine
- 2025-11-18 [Silver State Schools Credit Union selects Chris Dickman as CFO - CUInsight](https://news.google.com/rss/articles/CBMipgFBVV95cUxQazB2LXphZU9lVHBXdmFWQk1lV3VfNVRyWFVYUEV1aVAyVG9jZlBjc09zbHp6UWMyQXowV05ybjF0b2RCb0x3ZW9YT3F3TW5XWEZHWTd5dW13WjJkWXFNZ2ZuNmN6NzQtdzFfSnlsSmFNWHExX1hQWFdCa3FNUE4wa1VLcWRlN0pRSFJ1M0pLTU5VZGpsaG5zbC1HVXk2RFc2R2RaVlhR?oc=5) · CUInsight
- 2026-06-25 [UNLV Rebels Forever Affinity Card Programs with Silver State Schools Credit Union - KLAS 8 News Now](https://news.google.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?oc=5) · KLAS 8 News Now
- 2026-05-08 [Las Vegas teacher surprised with new car ahead of Mother s Day after diagnosis - KSNV](https://news.google.com/rss/articles/CBMirAFBVV95cUxPUzB1TmZla05HSkZTNW81Ty10bGk1a2xVWXpoc21GTVh0ODhnTjZCQl9oNGhyMTNVWVVEQmZxZTBPUXVvV0diZ0Y3eVJFdkQ2VWRWcHFsLXZ0TU1EQlBBempyemVoZ3dqZV9YUzRreHVDM0ZsWXhDZllwNWRNTEJ2eXhueS1KNDdobW1TcUhOYVdqbFllbGZrTlc1RlZ5RDZQX1R2SFB0MjVkS2pY?oc=5) · KSNV

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=97085 (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/61.json (key "97085", 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=97085
- 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