SIERRA CENTRAL
Charter #68053 · Yuba City, CA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.46% sits at the 25th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.02% sits at the 79th percentile of structural peers — worth a closer look.
- Efficiency ratio of 67.08% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 31st percentile but its structural peers at the 77th — a 46-point gap showing why the peer definition matters.
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 CENTRAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.50B | 31th pct | 77th pct |
| Members | 87,009 | 34th pct | 72th pct |
| Net worth ratio | 9.81% | 29th pct | 38th pct |
| Return on average assets | 0.46% | 26th pct | 25th pct |
| Net interest margin | 3.56% | 64th pct | 48th pct |
| Cost of funds | 1.64% | 43th pct | 62th pct |
| Loan-to-share | 74.87% | 22th pct | 38th pct |
| Delinquency 60+ days | 0.51% | 37th pct | 38th pct |
| Net charge-off ratio | 1.02% | 84th pct | 79th pct |
| Loan growth YoY | -2.35% | 8th pct | 10th pct |
| Share growth YoY | -0.14% | 5th pct | 5th pct |
| Efficiency ratio | 67.08% | 28th pct | 13th pct |
structural peer set hash: 97468f98bb231290be87b57e6a312ab5… (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.