Sierra Pacific

RENO, NV · 1 · Charter #1000 · www.sierrapacificfcu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$185.8M
85th percentile
Members
10,730
72th percentile
Total loans
$93.8M
73th percentile
Total shares
$160.1M
85th percentile

Profitability

Return on assets
1.16%
59th percentile
Net interest margin
3.25%
28th percentile
Efficiency ratio
49.00%
84th percentile
Non-interest income ratio
8.91%
12th percentile

Capital & Risk

Net worth ratio
13.35%
63th percentile
Delinquency rate
0.62%
56th percentile
Net charge-off rate
0.46%
37th percentile
Loan-to-share
58.57%
33th percentile

Growth

Member growth YoY
3.34%
87th percentile
Asset growth YoY
8.10%
81th percentile
Loan growth YoY
-6.48%
13th percentile
Share growth YoY
7.89%
81th percentile

Operations

Members / branch
2,146
25th percentile
Assets / member
$17,320
72th percentile
Field of membership penetration
39.52%
85th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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