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
Call Report peers
Sierra Central in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Sierra Central sits in 90-94 with 747 others.
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
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).
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.
- One place up in California, TRAVIS (#61) ties at 91/100; one place down, Desert Valleys (#63) ties at 91/100.
How Sierra Central's 5300 filing moved
Sierra Central: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.1% from $1.48B (2025Q4) to $1.50B (2026Q1).
- Net-worth ratio shifted +0.01 pp (9.80% → 9.81%).
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
Sierra Central gives up 9 points in total. Return on Assets costs the most, 6.1 of its 15; Loan-to-Share Ratio scores full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is Sierra Central financially healthy?
On its 2025Q4 NCUA 5300 filing, Sierra Central scores 91/100 (Excellent), with a 9.81% net worth ratio and 0.55% of loans delinquent. It ranks #995 of 4,374 nationally on health and #62 of 243 in California.
How does Sierra Central compare to other credit unions?
Sierra Central scores 91/100, higher than 77% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is delinquency rate (0.55% vs 0.87%). Its widest shortfall is loan-to-share ratio (76.61% vs 83.90%).
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?
Sierra Central is a state-chartered credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.