Silverado Credit Union

Silverado Credit Union is headquartered in Angwin and is the 220^th largest credit union in the state of California. It is also the 2,481^st largest credit union in the nation. It was established in 1953 and as of December of 2012, it had grown to 12 employees and 5,571 members. Silverado Credit Union has a 4-star health rating.

Silverado Credit Union Routing Number: 321172125

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Data for Q4 2012

Institution Statistics SILVERADO NCUA # 68491 BankRate Report View Year Chartered 1953 Employees 12 Primary Regulator Assets and Liabilities Assets $42.45 million Loans $29.73 million Deposits $39.19 million Equity Capital $3.09 million Loan Loss Allowance $341,000 Unbacked Noncurrent Loans $27,000 Historic Data - December 2011 Assets $43.25 million Equity Capital $3.11 million Loan Loss Allowance $596,000 Unbacked Noncurrent Loans $2.28 million Real Estate Owned $400,000 Profit Margin - Quarterly Net Interest Margin 4.29% Return on Assets -0.05% Return on Equity -0.68% Interest Income $1.38 million Non-Interest Income $221,000

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 Silverado Credit Union had $27,000 in non-current loans and owned real-estate with $3.43 million in equity and loan loss allowances on hand to cover it. This gives Silverado Credit Union a Texas Ratio of 0.79% 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 significantly from 72.45% as of December 31, 2011 to 0.79% as of December 31, 2012, resulting in a positive change of 98.91%.This indicates that the balance sheet and financial strength for Silverado Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Silverado Credit Union has decreased its total deposits by $-816,000, resulting in -2.04% 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 below average. Capitalization 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 $42.45 million in assets with $3.43 million in equity, resulting in a capitalization level of 8.07%, which is average.

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