State credit union · Yuba City, California · NCUA charter #68053
Sierra Central
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $1.48B
- Total assets
- 86,220
- Members
- 9.8%
- Net-worth ratio
Sierra Central scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.48B; members 86,220; net-worth ratio 9.81%; health rank #995 of 4,374; healthier than 77th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#995 of 4,374 health · 2025Q4Sierra Central · health 91/100 · $1.48B · 2025Q4
- PHOTO 91/100
- BOOK 9.8%
- CHARTER 0.55%
- NCUSIF 0.10%
- CAMELS $1.48B
- HEALTH 86,220
- NW #995/4,374
- DELQ Aloha Pacific
- ROA 68053
Call Report peers
Sierra Central in the assets neighbourhood
Sierra Central's $1.48B assets sit next to Aloha Pacific ($1.48B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Sierra Central vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
91 Top 23% higher than 77% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Sierra Central - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #68053. See our deposit-insurance coverage note.
Where Sierra Central diverges from peer averages
- Strongest edge vs 749 Over $500M peers is Delinquency Rate: -0.32 pp (0.55% vs 0.87%).
- Largest lag: Loan-to-Share Ratio at 76.61% vs peer 83.90% (-7.29 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Sierra Central sits in California
- California health ordinal: #62 of 243.
- Assets rank #45 of 243 inside California ($1.48B reported).
- California membership ordinal: #38 of 243.
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Sierra Central's 5300 filing moved
Sierra Central: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.1% from $1.48B (2025Q4) to $1.50B (2026Q1).
- Net-worth ratio shifted +0.01 pp (9.80% → 9.81%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
9.81% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 91/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 91.
- Net Worth Ratio 29.5 pts
- Delinquency Rate 24.5 pts
- Return on Assets 8.9 pts
- Member Growth 12.9 pts
- Loan-to-Share Ratio 15.2 pts
Sierra Central vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.81% | -1.37 pp |
| Delinquency Rate | 0.55% | -0.32 pp |
| Return on Assets | 0.10% | -0.41 pp |
| Member Growth | 3.26% | - |
| Loan-to-Share Ratio | 76.61% | -7.29 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Sierra Central quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.50B | - |
| 2025Q4 | $1.48B | 86,220 |
| 2024Q4 | $1.46B | 83,501 |
| 2023Q4 | $1.47B | 79,367 |
Credit Union Details
- Charter Number
- 68053
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- California
- City
- Yuba City
- Data Quarter
- 2025Q4
Branch Locations (18)
Per its most recent NCUA branch filing, Sierra Central runs 18 offices in 15 different cities.
| Office | City |
|---|---|
| Yuba City Branch (Main Office) | Yuba City, CA |
| Anderson Branch | Anderson, CA |
| Auburn Branch | Auburn, CA |
| Chico Branch | Chico, CA |
| Chico East Branch | Chico, CA |
| Grass Valley Branch | Grass Valley, CA |
| Marysville Branch | Marysville, CA |
| Oroville Branch | Oroville, CA |
| Paradise Branch | Paradise, CA |
| Placerville North Branch | Placerville, CA |
| Red Bluff Branch | Red Bluff, CA |
| Redding Branch | Redding, CA |
| Redding West Branch | Redding, CA |
| Roseville Branch | Roseville, CA |
| Susanville Branch | Susanville, CA |
| Wheatland | Wheatland, CA |
| Willows | Willows, CA |
| South Yuba City Branch | Yuba City, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
More federally-insured credit unions based in California, ordered by peer group match and asset size.
Other-state peers near Sierra Central
Sierra Central's nationwide photo peers by assets and by health score, excluding California charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.48B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (91/100 here).
Using this data
- Sierra Central ranks #995 of 4,374 nationally on financial health and #62 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- San Francisco is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with San Francisco
- Rates and health both vary by institution, not just by state -- see how California credit unions compare overall before assuming this one is typical. California state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Sierra Central financially healthy?
Sierra Central has a financial health score of 91/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #995 of 4,374; by total assets it ranks #322 of 4,374 nationally (same basis as /rankings/largest); and #45 of 243 within California. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 9.81% and delinquency rate of 0.55%.
How does Sierra Central compare to other credit unions?
On PlainCU's health composite, Sierra Central lands at 91/100, compared to a peer group average for Over $500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Sierra Central?
Membership eligibility for Sierra Central depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Sierra Central directly for current membership requirements and application steps.
Is my money safe at Sierra Central?
Federal credit unions like Sierra Central are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Sierra Central's net worth ratio of 9.81% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Sierra Central offer compared to banks?
Credit unions like Sierra Central are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Sierra Central directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.