Sierra Central Credit Union

Sierra Central Credit Union is headquartered in Yuba City and is the 57^th largest credit union in the state of California. It is also the 320^th largest credit union in the nation. It was established in 1963 and as of December of 2012, it had grown to 123 employees and 57,550 members. Sierra Central Credit Union has a 5-star health rating.

Sierra Central Credit Union Routing Number: 321174770

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Data for Q4 2012

Institution Statistics SIERRA CENTRAL NCUA # 68053 BankRate Report View Year Chartered 1963 Employees 123 Primary Regulator Assets and Liabilities Assets $654.65 million Loans $377.39 million Deposits $581.27 million Equity Capital $66.26 million Loan Loss Allowance $10.14 million Unbacked Noncurrent Loans $2.21 million Real Estate Owned $470,000 Historic Data - December 2011 Assets $617.25 million Equity Capital $58.48 million Loan Loss Allowance $14.53 million Unbacked Noncurrent Loans $4.01 million Real Estate Owned $254,000 Profit Margin - Quarterly Net Interest Margin 5% Return on Assets 1.19% Return on Equity 11.74% Interest Income $22.24 million Non-Interest Income $8.10 million

Institution Health Overall Score: 5 out of 5 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, 2012 Sierra Central Credit Union had $2.68 million in non-current loans and owned real-estate with $76.4 million in equity and loan loss allowances on hand to cover it. This gives Sierra Central Credit Union a Texas Ratio of 3.51% 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 slightly from 5.85% as of December 31, 2011 to 3.51% as of December 31, 2012, resulting in a positive change of 39.91%.This indicates that the balance sheet and financial strength for Sierra Central Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Sierra Central Credit Union has increased its total deposits by $29.27 million, resulting in 5.3% 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. Capitalization 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 $654.65 million in assets with $76.4 million in equity, resulting in a capitalization level of 11.67%, which is above average.

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