Headquartered in Yuba City, California, Sierra Central Credit Union is a federally insured state-chartered credit union with $1.5B in total assets and $1.3B in member shares and deposits as of Q2 2026. It operates 15 offices. Its charter dates back to 1955.
Based on its Q2 2026 filing, Sierra Central Credit Union scores 67/100, which we describe as moderate. That is higher than only 47% of 454 credit unions with $1 billion – $10 billion. Among 238 credit unions headquartered in California, it ranks 133rd. Its strongest component is problem-loan coverage (93/100; 3.7%), and its lowest is earnings (48/100; 0.71%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 3 points (64 → 67), mostly because the earnings component improved by 15 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 61 |
| Q3 2024 | 63 |
| Q4 2024 | 60 |
| Q1 2025 | 62 |
| Q2 2025 | 64 |
| Q3 2025 | 66 |
| Q4 2025 | 65 |
| Q1 2026 | 65 |
| Q2 2026 | 67 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 9.99% |
| Q3 2024 | 10.04% |
| Q4 2024 | 9.73% |
| Q1 2025 | 9.72% |
| Q2 2025 | 9.76% |
| Q3 2025 | 9.75% |
| Q4 2025 | 9.80% |
| Q1 2026 | 9.81% |
| Q2 2026 | 10.00% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.44% |
| Q3 2024 | 0.44% |
| Q4 2024 | 0.63% |
| Q1 2025 | 0.57% |
| Q2 2025 | 0.43% |
| Q3 2025 | 0.36% |
| Q4 2025 | 0.55% |
| Q1 2026 | 0.51% |
| Q2 2026 | 0.55% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.01% |
| Q3 2024 | 0.12% |
| Q4 2024 | 0.10% |
| Q1 2025 | 0.28% |
| Q2 2025 | 0.32% |
| Q3 2025 | 0.41% |
| Q4 2025 | 0.46% |
| Q1 2026 | 0.45% |
| Q2 2026 | 0.71% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 67 | $1.5B | 10.00% | 0.55% | 0.71% | 74.5% |
| Q1 2026 | 65 | $1.5B | 9.81% | 0.51% | 0.45% | 74.9% |
| Q4 2025 | 65 | $1.5B | 9.80% | 0.55% | 0.46% | 76.6% |
| Q3 2025 | 66 | $1.5B | 9.75% | 0.36% | 0.41% | 76.6% |
| Q2 2025 | 64 | $1.5B | 9.76% | 0.43% | 0.32% | 77.8% |
| Q1 2025 | 62 | $1.5B | 9.72% | 0.57% | 0.28% | 78.3% |
| Q4 2024 | 60 | $1.5B | 9.73% | 0.63% | 0.10% | 79.0% |
| Q3 2024 | 63 | $1.4B | 10.04% | 0.44% | 0.12% | 80.4% |
| Q2 2024 | 61 | $1.4B | 9.99% | 0.44% | 0.01% | 80.8% |
454 peers · $1 billion – $10 billion
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in California
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Noble Federal Credit UnionCredit union Fresno, CA | 65 out of 100, Moderate | $1.5B | 9.8% | 0.82% | vs |
| Ventura County Credit UnionCredit union Ventura, CA | 47 out of 100, Below average | $1.5B | 10.1% | 3.17% | vs |
| Adelfi Credit UnionCredit union San Dimas, CA | 74 out of 100, Strong | $1.4B | 12.8% | 0.87% | vs |
| San Francisco Fire Credit UnionCredit union San Francisco, CA | 70 out of 100, Strong | $1.6B | 10.7% | 0.54% | vs |
| Los Angeles Police Federal Credit UnionCredit union Van Nuys, CA | 70 out of 100, Strong | $1.4B | 11.3% | 0.51% | vs |
| San Francisco Federal Credit UnionCredit union San Francisco, CA | 86 out of 100, Very strong | $1.6B | 13.6% | 0.15% | vs |
Deposit insurance
Is my money safe at Sierra Central Credit Union?
Yes. Sierra Central Credit Union is a federally insured credit union (NCUA charter #68053). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 8.1% of shares and deposits ($109.2M) are above the $250,000 NCUA insurance limit, close to the peer median of 9%. Insured balances are protected regardless of the score.
The net worth ratio is 10.00%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
15 locations
Branches
Sierra Central Credit Union lists 15 offices in 13 cities. Most locations:
- Redding, CA (2)
- Yuba City, CA (2)
- Anderson, CA (1)
- Auburn, CA (1)
- Chico, CA (1)
- Grass Valley, CA (1)
- Marysville, CA (1)
- Paradise, CA (1)
- Placerville, CA (1)
- Red Bluff, CA (1)
- Roseville, CA (1)
- Susanville, CA (1)
HMDA 2025
Mortgage lending
In 2025, Sierra Central Credit Union reported 692 home-loan applications under HMDA (LEI 254900URXOKFMBYQ0V69): 420 originated ($50,850,000 total), 171 denied, and 100 withdrawn or closed by the applicant. Its denial rate on decided applications was 28.9%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Sierra Central Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 68053
- RSSD ID
- 581992
- Primary regulator
- State + NCUA
- Established
- 1955
- Headquarters
- 1351 Harter Parkway, Yuba City, CA 95993
- Employees
- 225
Quick answers
Sierra Central Credit Union: common questions
Is Sierra Central Credit Union NCUA insured?
Yes. Sierra Central Credit Union is a federally insured credit union (NCUA charter #68053). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Sierra Central Credit Union's TellerScore?
67 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Sierra Central Credit Union have?
15 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Yuba City
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA | 92 out of 100, Very strong | $1.7B | 15.5% | 0.60% | vs |
| SoFi Bank, National AssociationBank Cottonwood Heights, UT | 88 out of 100, Very strong | $56.8B | 13.3% | 0.08% | vs |
| First Northern Bank of DixonBank Dixon, CA | 74 out of 100, Strong | $1.9B | 12.0% | 0.41% | vs |
| Citizens Business Bank, National AssociationBank Ontario, CA | 73 out of 100, Strong | $21.2B | 11.4% | 0.14% | vs |
| Safe Credit UnionCredit union Folsom, CA | 71 out of 100, Strong | $4.4B | 10.8% | 0.52% | vs |
| Tri Counties BankBank Chico, CA | 70 out of 100, Strong | $9.9B | 12.0% | 0.94% | vs |