Credit Union Safety Analysis
Is Sierra Central Credit Union Safe? Yuba City, California
Based on its Q2 2026 NCUA 5300 call report, Sierra Central Credit Union has a net worth ratio of 10.00%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.55%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Sierra Central Credit Union's net worth ratio is 10.00%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.00%
- Delinquency ratio (60+ days) (Q2 2026): 0.55%
- Return on assets (Q2 2026): 0.96%
- Loan-to-share ratio (Q2 2026): 74.51%
Sierra Central Credit Union (NCUA charter 68053, established 1963) reported $1.50B in assets and 86,319 members for Q2 2026 from Yuba City, California. It ranks 47 of 238 credit unions in California by total assets. Total assets grew 2.2% from $1.47B on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 9.81% for Q1 2026; 9.76% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.51% for Q1 2026; 0.43% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.45% for Q1 2026; 0.37% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 74.87% for Q1 2026; 77.80% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $409.4M
- 1- to 4-family residential and other consumer real estate loans: $282.1M
- New vehicle loans: $127.1M
- Other secured non-real estate loans and lines of credit: $58.4M
- Commercial loans: $51.7M
- Other unsecured loans and lines of credit: $46.7M
- Unsecured credit card loans: $23.9M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.50B | 10.00% | 0.55% | 0.96% | 74.51% |
| March 31, 2026 | $1.50B | 9.81% | 0.51% | 0.45% | 74.87% |
| December 31, 2025 | $1.48B | 9.80% | 0.55% | 0.62% | 76.61% |
| September 30, 2025 | $1.50B | 9.75% | 0.36% | 0.58% | 76.57% |
| June 30, 2025 | $1.47B | 9.76% | 0.43% | 0.37% | 77.80% |
| March 31, 2025 | $1.46B | 9.72% | 0.57% | 0.28% | 78.29% |
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Free to use. It shows Sierra Central Credit Union’s latest filed figures and updates each quarter.
How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Sierra Central Credit Union profile
Regulator records: NCUA credit union profile (charter 68053) · FFIEC NIC profile (RSSD 581992)
Frequently asked questions
Is Sierra Central Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Sierra Central Credit Union's net worth ratio is 10.00%, above the 7% NCUA threshold for well capitalized.
Is Sierra Central Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Sierra Central Credit Union is a federally insured credit union (NCUA charter 68053): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Sierra Central Credit Union's key safety ratios?
For Q2 2026, Sierra Central Credit Union reports net worth 10.00%, delinquency 0.55%, ROA 0.96%, loan-to-share 74.51%.
What happens to my money if Sierra Central Credit Union fails?
For Q2 2026, Sierra Central Credit Union held $1.34B in shares and deposits for 86,319 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.