Side-by-side · Q2 2026 data
Tri Counties Bank vs Sierra Central Credit Union
Metric by metric
| Measure | Tri Counties Bank | Sierra Central Credit Union |
|---|---|---|
| TellerScore | 70 (stronger) | 67 |
| Capital cushion | 70 (stronger) | 50 |
| Loan quality | 69 | 82 (stronger) |
| Earnings | 76 (stronger) | 48 |
| Funding & liquidity | 53 | 86 (stronger) |
| Problem-loan coverage | 90 | 93 (stronger) |
| Peer percentile | 58th | 47th |
| Total assets | $9.9B | $1.5B |
| Deposits / shares | $8.4B | $1.3B |
| Capital ratio | 12.00% (stronger) | 10.00% |
| Problem loans | 0.94% | 0.55% (stronger) |
| Net charge-offs | 0.03% (stronger) | 1.00% |
| Return on assets | 1.40% (stronger) | 0.71% |
| Loans ÷ deposits | 85.8% | 74.5% (stronger) |
| Uninsured deposits | 34.1% | 8.1% (stronger) |
| Offices | 69 | 15 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 34.2% | 28.9% |
Tri Counties Bank has the higher TellerScore (70 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Tri Counties Bank leads on 4 and Sierra Central Credit Union on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Redding, CA
- Chico, CA
- Roseville, CA
- Grass Valley, CA
- Yuba City, CA
- Willows, CA
- Paradise, CA
- Auburn, CA
- Marysville, CA
- Anderson, CA
- Red Bluff, CA