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820 Plaza Way
Yuba City, CA 95991

Sierra Central Credit Union is headquartered in Yuba City and is the 54th largest credit union in the state of California. It is also the 310st largest credit union in the nation. It was established in 1963 and as of March of 2014, it had grown to 130 employees and 61,242 members. Sierra Central Credit Union has a A+ health rating.

Field of Membership Restrictions

Must live or work within 25 miles of a Sierra Central branch. - See Details

Reviews (1)

Sierra Central a bank that cares

Sierra Central like many credit unions provide the same power as big-banking institutions while providing the personal touch of a local business. They genuinely care about my personal banking needs. They are honest, upfront and hardworking to be sure I get the exact services I need. They are also concerned with my comfort, I enjoy every experience I have there.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Sierra Central Credit Union had $2.39 million in non-current loans and owned real-estate with $89.19 million in equity and loan loss allowances on hand to cover it. This gives Sierra Central Credit Union a Texas Ratio of 2.68% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Sierra Central Credit Union experienced no significant changes from 2.32% as of March 31, 2013 to 2.68% as of March 31, 2014, resulting in a negative change of 15.79%. This indicates that the balance sheet and financial strength for Sierra Central Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Sierra Central Credit Union has increased its total deposits by $43.6 million, resulting in 7.28% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Sierra Central Credit Union has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Sierra Central Credit Union has $731.28 million in assets with $89.19 million in equity, resulting in a capitalization level of 12.20%, which is excellent.

Institution Statistics

NCUA #68053
Year Chartered1963
Primary Regulator
Assets and Liabilities
Assets$731.28 million
Loans$438.26 million
Deposits$642.26 million
Equity Capital$83.02 million
Loan Loss Allowance$6.17 million
Unbacked Noncurrent Loans$1.89 million
Real Estate Owned$502,000
Historic Data - March 2013
Assets$673.18 million
Equity Capital$67.55 million
Loan Loss Allowance$9.42 million
Unbacked Noncurrent Loans$1.89 million
Real Estate Owned$120,000
Profit Margin - Quarterly
Return on Assets0.89%
Return on Equity7.82%
Interest Income$5.37 million

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Sierra Central Credit Union Savings Account Rates

0.05%$100-Regular Savings
0.05%--Holiday Club
0.05%--Tax Club
0.05%--Vacation Club
0.05%--Back to School Club
0.02%--Minor Savings

Sierra Central Credit Union Money Market Rates

0.25%$100k-Investor Money Market
0.15%$100k-Flex Money Market
0.15%$100k-IRA Money Market Savings

Sierra Central Credit Union Checking Account Rates

0.05%$50k-Dividend Checking
0.00%--Budget Checking
0.00%--Easy Checking
0.00%--Business Checking

Sierra Central Credit Union CD Rates

1.46%$100k-60 Month CD
1.11%$100k-48 Month CD
0.95%$100k-36 Month CD
0.55%$100k-24 Month CD
0.45%$100k-18 Month CD
0.35%$100k-12 Month CD
0.30%$100k-6 Month CD
0.25%$100k-3 Month CD

Sierra Central Credit Union has 17 locations. Click to view all Sierra Central Credit Union locations.