Sierra Central
Yuba City, CA · Charter 68053 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 18 branches
Q2 2026
$1.5BAssets
$999.4MLoans
$1.3BShares
$150.5MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 65% of credit unions $1B-$10B in assets (rank 154 of 435).
- Widest gap: equity / assets trails 70% of credit unions $1B-$10B in assets (rank 303 of 435).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.71%
Rank 268 of 435
Net Interest Margin
3.51%
Rank 176 of 435
Efficiency Ratio
67.56%
Rank 154 of 435
Equity / Assets
10.00%
Rank 303 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.71% | 0.55% | 0.81% | 1.14% | Beats 38% | 268 / 435 | |
| Return on Equity | 7.07% | 5.12% | 7.41% | 9.70% | Beats 46% | 236 / 435 | |
| Net Interest Margin | 3.51% | 3.01% | 3.39% | 3.75% | Beats 60% | 176 / 435 | |
| Efficiency Ratio | 67.56% | 65.25% | 71.39% | 77.86% | Beats 65% | 154 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.55% | 0.45% | 0.69% | 1.05% | Beats 65% | 153 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.00% | 9.81% | 10.84% | 12.63% | Beats 30% | 303 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.00% | 9.81% | 10.84% | 12.63% | Beats 30% | 303 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 74.51% | 78.33% | 88.38% | 95.61% | 19th pctl | 352 / 435 | |
| Loans / Assets | 66.43% | 67.69% | 74.58% | 80.80% | 22nd pctl | 341 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |