Dedicated to Deposits: Deals, Data, and Discussion
Featured Savings Rates
Featured Accounts
Overview / Commentary
820 Plaza Way
Yuba City, CA 95991

Sierra Central Credit Union is headquartered in Yuba City and is the 57th largest credit union in the state of California. It is also the 323rd largest credit union in the nation. It was established in 1963 and as of December of 2013, it had grown to 121 employees and 57,680 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

No reviews have been left for this bank yet. Be the first to review.


Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Sierra Central Credit Union had $1.44 million in non-current loans and owned real-estate with $78.69 million in equity and loan loss allowances on hand to cover it. This gives Sierra Central Credit Union a Texas Ratio of 1.83% 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 decreased dramatically from 3.51% as of December 31, 2012 to 1.83% as of December 31, 2013, resulting in a positive change of 47.91%.This indicates that the balance sheet and financial strength for Sierra Central Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, Sierra Central Credit Union has increased its total deposits by $12.14 million, resulting in 2.09% 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 above average.



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 $671.36 million in assets with $78.69 million in equity, resulting in a capitalization level of 11.72%, which is excellent.

Institution Statistics

NCUA #68053
Year Chartered1963
Primary Regulator
Assets and Liabilities
Assets$671.36 million
Loans$411.30 million
Deposits$593.41 million
Equity Capital$71.81 million
Loan Loss Allowance$6.88 million
Unbacked Noncurrent Loans$1.09 million
Real Estate Owned$355,000
Historic Data - December 2012
Assets$654.65 million
Equity Capital$66.26 million
Loan Loss Allowance$10.14 million
Unbacked Noncurrent Loans$1.09 million
Real Estate Owned$470,000
Profit Margin - Quarterly
Net Interest Margin4.47%
Return on Assets0.83%
Return on Equity7.73%
Interest Income$20.66 million

Always verify rates and promotions with the bank or credit union. We are not Sierra Central Credit Union, we are a rate comparison website and can not provide official rates or promotions.

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

1.26%$100k-60 Month CD
0.90%$100k-48 Month CD
0.75%$100k-36 Month CD
0.45%$100k-24 Month CD
0.35%$100k-18 Month CD
0.30%$100k-12 Month CD
0.25%$100k-6 Month CD
0.20%$100k-3 Month CD

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