Sierra Central

Yuba City, CA · 2 · Charter #68053 · www.sierracentral.com
Mid ($1B–$10B)Reporting period: Q4 2025Peer group: 446 CUs

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$1.5B
33th percentile
Members
86,220
33th percentile
Total loans
$1.0B
26th percentile
Total shares
$1.3B
35th percentile

Profitability

Return on assets
1.33%
75th percentile
Net interest margin
3.45%
64th percentile
Efficiency ratio
50.03%
58th percentile
Non-interest income ratio
14.62%
24th percentile

Capital & Risk

Net worth ratio
9.80%
28th percentile
Delinquency rate
0.55%
66th percentile
Net charge-off rate
1.06%
11th percentile
Loan-to-share
76.61%
22th percentile

Growth

Member growth YoY
3.26%
61th percentile
Asset growth YoY
1.76%
19th percentile
Loan growth YoY
-1.73%
13th percentile
Share growth YoY
1.40%
16th percentile

Operations

Members / branch
4,311
9th percentile
Assets / member
$17,174
42th percentile
Field of membership penetration
6.22%
52th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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