Sierra Central Credit Union Yuba City, California
Sierra Central Credit Union is a state-chartered credit union headquartered in Yuba City, CA, established in 1963 (NCUA charter 68053), and it is regulated and insured by the NCUA. At Q2 2026 it reported 86,319 members and total assets of $1.50B (up 2.2% from Q2 2025), the 47th largest of 238 credit unions headquartered in California. Its net worth ratio was 10.00% at Q2 2026, in the well capitalized band.
Also written as Sierra Central CU
BankRegReports is independent of Sierra Central Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 68053
- Headquarters
- Yuba City, CA
- Established
- 1963
- Total assets, Q2 2026
- $1.50B
- Assets vs Q2 2025
- +2.2%
- Members, Q2 2026
- 86,319
- Net worth ratio, Q2 2026
- 10.00%
- Latest call report
- Q2 2026, NCUA 5300 · Sierra Central Credit Union call report
- Asset rank in state
- 47th of 238 in California
- Routing number
- 321174770
- Branches
- 18
It has 1,699 more members than on June 30, 2025 (+2.0%). Its net worth ratio was up 0.24 percentage points from 9.76% on June 30, 2025. Used vehicle loans are its largest loan category, $409.4M of $999.4M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.55% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 10.00% net worth ratio is below that band's 10.89% median.
Credit unions similar in size in California
Credit unions merged into Sierra Central Credit Union
49'ER Federal Credit Union (2014)
Frequently asked about Sierra Central Credit Union
How big is Sierra Central Credit Union?
At Q2 2026 it reported total assets of $1.50B and 86,319 members.
Where is Sierra Central Credit Union headquartered?
It is headquartered in Yuba City, CA, United States.
When was Sierra Central Credit Union founded?
It was established in 1963, per NCUA records.
Is Sierra Central Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 68053): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Sierra Central Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Sierra Central Credit Union well capitalized?
Its net worth ratio was 10.00% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Sierra Central Credit Union's delinquency ratio?
Its delinquency ratio was 0.55% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Sierra Central Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 74.51% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Yuba City, CA 95993
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1963
- NCUA Charter #
- 68053
- RSSD ID
- 581992
- Members
- 86,319
- Potential members
- 1,385,075
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 0 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 10.00% | 10.89% | 29th below |
| Return on assets Middle half of peers: 0.59% to 1.25% | 0.96% | 0.89% | 55th above |
| Return on equity Middle half of peers: 5.37% to 10.92% | 9.61% | 8.07% | 64th above |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.50% | 3.45% | 54th above |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 68.05% | 70.59% | 59th above |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.50% | 1.68% | 64th above |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.55% | 0.68% | 64th above |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 5.01% | 5.12% | 43rd position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 74.51% | 88.03% | 21st position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$1.50B total assets against $1.47B; $1.34B total shares and deposits against $1.32B; $999.4M total loans against $1.03B.
$150.5M net worth against $144.0M.
10.00% net worth ratio against 9.76%.
74.51% loan-to-share ratio against 77.80%.
0.55% delinquency ratio against 0.43%.
0.96% return on assets against 0.37%; 9.61% return on equity against 3.80%.
3.50% net interest margin against 3.41%.
86,319 members against 84,620.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 10.00% | 0.96% | 0.55% | 74.51% |
| March 31, 2026 | 9.81% | 0.45% | 0.51% | 74.87% |
| December 31, 2025 | 9.80% | 0.62% | 0.55% | 76.61% |
| September 30, 2025 | 9.75% | 0.58% | 0.36% | 76.57% |
| June 30, 2025 | 9.76% | 0.37% | 0.43% | 77.80% |
| March 31, 2025 | 9.72% | 0.28% | 0.57% | 78.29% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.