Sierra Central Credit Union
Total assets
$1.50B
▲ +2.2% YoY
Shares & deposits
$1.34B
▲ +1.8% YoY
Loans
$1.00B
▼ -2.6% YoY
Members
87,009
▲ +3.1% YoY
ROA (annualized)
0.45%
peers 0.71%
ROE (annualized)
4.63%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.2% | +5.1% | -2.9 pts |
| Share growth (YoY) | +1.8% | +4.9% | -3.0 pts |
| Loan growth (YoY) | -2.6% | +5.4% | -8.0 pts |
| ROA | 0.45% | 0.71% | -0.3 pts |
| ROE | 4.6% | 6.3% | -1.6 pts |
ROA ranks in the 26th percentile of its peer group · Q1 2026
Profile
- Established
- 1955
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 1351 Harter Parkway, Yuba City, CA, 95993
- NCUA charter #
- 68053
- RSSD ID
- 581992
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.50B | $1.34B | $1.00B | $146.9M | $1.7M | 0.45% | 3.54% | 0.51% | 87,009 |
| Q4 2025 | $1.48B | $1.32B | $1.01B | $145.2M | $6.9M | 0.46% | 3.45% | 0.55% | 86,220 |
| Q3 2025 | $1.50B | $1.34B | $1.03B | $146.2M | $4.6M | 0.41% | 3.37% | 0.36% | 85,762 |
| Q2 2025 | $1.47B | $1.32B | $1.03B | $144.0M | $2.4M | 0.32% | 3.34% | 0.43% | 84,620 |
| Q1 2025 | $1.46B | $1.32B | $1.03B | $142.7M | $1.0M | 0.28% | 3.30% | 0.57% | 84,426 |
| Q4 2024 | $1.46B | $1.31B | $1.03B | $142.0M | $1.5M | 0.10% | 2.81% | 0.64% | 83,501 |
| Q3 2024 | $1.44B | $1.29B | $1.04B | $145.2M | $1.2M | 0.12% | 2.78% | 0.44% | 82,655 |
| Q2 2024 | $1.43B | $1.28B | $1.04B | $144.0M | $70K | 0.01% | 2.71% | 0.44% | 81,451 |
Loan mix (Q1 2026): real estate $278.6M · commercial $52.4M · consumer $611.5M · securities $240.9M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.45% | 0.71% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 4.6% | 6.3% | 31th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.54% | 3.32% | 64th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.1% | 73.0% | 26th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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