Sierra Pacific
Reno, NV · Charter 1000 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 5 branches
Q2 2026
$189.4MAssets
$93.6MLoans
$163.4MShares
$25.7MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 84% of credit unions under $1B in assets (rank 273 of 1682).
- Widest gap: net interest margin trails 79% of credit unions under $1B in assets (rank 1325 of 1683).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.03%
Rank 566 of 1,683
Net Interest Margin
3.22%
Rank 1,325 of 1,683
Efficiency Ratio
64.26%
Rank 273 of 1,682
Equity / Assets
13.57%
Rank 738 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.03% | 0.35% | 0.74% | 1.18% | Beats 66% | 566 / 1,683 | | |
| Return on Equity | 7.62% | 2.67% | 5.89% | 8.74% | Beats 66% | 567 / 1,681 | | |
| Net Interest Margin | 3.22% | 3.31% | 3.82% | 4.32% | Beats 21% | 1,325 / 1,683 | | |
| Efficiency Ratio | 64.26% | 68.91% | 78.20% | 86.93% | Beats 84% | 273 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.57% | 0.26% | 0.65% | 1.29% | Beats 55% | 762 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.57% | 10.44% | 12.89% | 16.53% | Beats 56% | 738 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.57% | 10.44% | 12.89% | 16.53% | Beats 56% | 738 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 57.25% | 52.61% | 69.38% | 83.50% | 31st pctl | 1,163 / 1,683 | | |
| Loans / Assets | 49.39% | 44.71% | 59.18% | 70.72% | 32nd pctl | 1,139 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |