SIERRA PACIFIC
Charter #1000 · RENO, NV · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 13.47% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.22% sits at the 13th percentile of structural peers — worth a closer look.
- Cost of funds of 1.72% sits at the 90th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.73% sits at the 82nd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.28% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | SIERRA PACIFIC | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $187.82M | 46th pct | 51th pct |
| Members | 10,886 | 37th pct | 28th pct |
| Net worth ratio | 13.47% | 74th pct | 82th pct |
| Return on average assets | 1.09% | 74th pct | 70th pct |
| Net interest margin | 3.22% | 24th pct | 13th pct |
| Cost of funds | 1.72% | 78th pct | 90th pct |
| Loan-to-share | 57.60% | 22th pct | 49th pct |
| Delinquency 60+ days | 0.73% | 60th pct | 82th pct |
| Net charge-off ratio | 0.28% | 41th pct | 23th pct |
| Loan growth YoY | -4.48% | 8th pct | 11th pct |
| Share growth YoY | 3.21% | 46th pct | 46th pct |
| Efficiency ratio | 59.46% | 8th pct | 3th pct |
structural peer set hash: d56a2ddeb7101a34651b664218b188bb… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.