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P.O. Box 330
Angwin, CA 94508

Silverado Credit Union is headquartered in Angwin and is the 216st largest credit union in the state of California. It is also the 2,522nd largest credit union in the nation. It was established in 1953 and as of March of 2014, it had grown to 11 employees and 5,246 members. Silverado Credit Union has a B health rating.

Field of Membership Restrictions

Must live, work, worship or attend school in the Napa Valley or be an employee of one of the several groups and organizations in certain geographic region (within a 25 mile radius of a Silverado Credit Union Office). - See Details

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Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Silverado Credit Union has a low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Silverado Credit Union had $16,000 in non-current loans and owned real-estate with $3.34 million in equity and loan loss allowances on hand to cover it. This gives Silverado Credit Union a Texas Ratio of 0.48% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Silverado Credit Union decreased dramatically from 0.70% as of March 31, 2013 to 0.48% as of March 31, 2014, resulting in a positive change of 31.87%.This indicates that the balance sheet and financial strength for Silverado Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, Silverado Credit Union has decreased its total deposits by $-460,000, resulting in -1.17% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Silverado Credit Union has shown is average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Silverado Credit Union has $42.06 million in assets with $3.34 million in equity, resulting in a capitalization level of 7.93%, which is below average.

Institution Statistics

NCUA #68491
Year Chartered1953
Primary Regulator
Assets and Liabilities
Assets$42.06 million
Loans$31.41 million
Deposits$38.82 million
Equity Capital$3.10 million
Loan Loss Allowance$233,000
Unbacked Noncurrent Loans$16,000
Real Estate Owned$0
Historic Data - March 2013
Assets$42.48 million
Equity Capital$3.10 million
Loan Loss Allowance$314,000
Unbacked Noncurrent Loans$16,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets0.08%
Return on Equity1.03%
Interest Income$305,000
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Silverado Credit Union Savings Account Rates

0.03%$50-Regular Share Account
0.03%$50-IRA Share Account
0.03%$50-Roth IRA Share Account
0.03%$50-Educational IRA Share Account

Silverado Credit Union Money Market Rates

0.03%$2,500-Money Management Account

Silverado Credit Union CD Rates

0.15%$2,500-2 Year CD
0.10%$2,500-1 Year CD
0.07%$2,500-6 Month CD
0.05%$2,500-3 Month CD
0.03%$2,500-1 Month CD

Silverado Credit Union IRA Rates

0.15%$2k-2 Year IRA
0.10%$2k-1 Year IRA
0.05%$2k-3 Month IRA

Silverado Credit Union Locations
Branch Office1 Angwin Ave 1 Angwin PlazaAngwin, CA 94508-9713
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