The Mystery of the Silver Saddle — Gay Toltl Kinman

The third in the Stables mystery series featuring three 11-year-olds in the summer before they go into the sixth grade. They are detectives who solve mysteries. Meri is of Hawaiian descent, Rollo is black, and the narrator is from Canada. In this story a valuable silver saddle is missing during the Cowboy (and girl) Poetry Competition at Rodeo Ranch.