# SIERRA CENTRAL
Yuba City, CA · NCUA charter 68053 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/sierra-central-68053

Who the members are: state charter, organized 1955, low-income designated. 87,009 members of 1,385,075 potential (6.3% of the field); checking penetration 45% (share draft accounts per 100 members); loans per 100 members 49.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.50B |
| Members | 87,009 (3.1% YoY) |
| Full-time staff | 220 |
| Net worth | $146.9M |
| Net worth ratio | 9.8% (p30 of band) |
| ROA (annualized) | 0.45% (p26 of band) |
| Total delinquency | 0.51% (p38 of band) |
| Net charge-offs (annualized) | 1.03% (p86 of band) |
| Loans / shares | 75% (p22 of band) |
| Cash / assets | 13.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.54% (p64 of band) |
| Operating expense / assets | 2.94% (p36 of band) |
| Vehicles % of loans | 54% (p92 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 87% |
| Third-party paper % of net worth | 347% (p90 of band) |
| Vehicle delinquency | 0.55% (p47 of band) |
| Vehicle NCO | 1.51% (p73 of band) |
| Repossessed % of vehicle book | 0.00% (p11 of band) |
| Real estate % of loans | 28% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 36% |
| Core shares % of member funds | 39% |
| Certificates % of member funds | 31% |
| Average share balance | $8,473 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 49% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $23,627 |
| Loans granted, annualized | $339.9M |

## Flags firing in the latest filing

- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | charge-offs p90 |  |
| 2019-03 | 2 | net worth falling | charge-offs p90 |
| 2019-06 | 1 |  | net worth falling |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | assets shrinking |  |
| 2020-06 | 1 |  | assets shrinking |
| 2020-09 | 2 | net worth falling |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | margin squeeze |  |
| 2021-06 | 1 |  | net worth falling, margin squeeze |
| 2021-09 | 1 |  |  |
| 2021-12 | 2 | net worth falling |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 3 | delinquency rising |  |
| 2022-12 | 2 |  | net worth falling |
| 2023-03 | 4 | losing money, charge-offs p90 |  |
| 2023-06 | 1 |  | delinquency rising, losing money, charge-offs p90 |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 3 | losing money, assets shrinking |  |
| 2024-06 | 2 |  | losing money |
| 2024-09 | 2 |  |  |
| 2024-12 | 1 |  | assets shrinking |
| 2025-03 | 2 | net worth falling |  |
| 2025-06 | 1 |  | net worth falling |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-07 [Sierra Central, First U.S. Community credit unions announce intent to merge - goldmountaincanews.com](https://news.google.com/rss/articles/CBMitwFBVV95cUxNQjc2S3hmYV9ybnBJVF9SZjlycXhGYlR1T3VaWEkyVnQ1b0xlbVlTQ3dTY2VFaXhZX1J5ZXFQZXpBQUY5WDFERVhCWXdVdmItWUdZNFl1NXItTGZvN2lHamdMQVlmckFOWTB2NHA4bGlkNFNTbU8zZGxzZ3NsTkx5M01ncGo5eEROZTJzU2VaaUZucmwwTS1TXzBqSzM4MzdTTkZTdFZNNjJ3S3JSZHNTc0VUbVhjV1E?oc=5) · goldmountaincanews.com
- 2026-07-03 [Are Northern California banks, post offices DMV open July 3 - Record Searchlight](https://news.google.com/rss/articles/CBMiwgFBVV95cUxOTDZYR1RqOW5xRFJxaTZzSlV0T2hXYTFiUkpLVmtONEhpOE1RSXJWTXRwd210TlpaXzQtTzhKWWxHaDBvTlZyLWNDeHc3UXJsVUJRSXV6NGxnaTNXYWhSSmtnbGpsb3pHbG1POWNsN1JZM3BobFJYYmdxSnd1a0c1d3BtZGFQdkdrNjU0c0g1UmRKRmM1bmdJNmpEamUtcUJTMFBvRlg3QnpfYmRLWHVYTEpBS1J4eXlNODZvYXY4bmMwdw?oc=5) · Record Searchlight
- 2022-10-31 [Best Credit Union: Sierra Central Credit Union - mtdemocrat.com](https://news.google.com/rss/articles/CBMi7gFBVV95cUxOSzdzdlVKZFNlS3F4MmNzT3dQRF9PSUxZWlB2VEtjZ2JwcnZIZDNTcGVpMnlzVmZFWEtGQmZ3T3Frbjg5anIyLVRwZGh2T3VKZU9kZlBNMnB5c0xDWHZBTzhwUl9lSDZEQ09vRTNXOXU3cTFXM3hROHEwMXZmSEhqMHRHREFXMGl4VVYtdjJ0MVdVUTd0ZVJHTGExR0RHUjdoNnRwS2lMV2J3X1pMWllpTUM5TGFuMWR2Xzk4RF9COUlaYTMtYnRUU1NXOEZxZVR5RkRHeVdJS3BtcnVtcGMyWHJiM3pxdTdmeF9aczVB?oc=5) · mtdemocrat.com
- 2021-07-14 [Sierra Central hires new leadership team member - appeal-democrat.com](https://news.google.com/rss/articles/CBMizwFBVV95cUxOYy1IWW1FUzlpWHRZdzdaVm5xenhUUlM3NEEyVnR6RFRHdnN0bDVCWmJUNXBXS3dCRm12MXo0S2VyTnZCNVdLeGl1M2ktdHdRaThqUEQzbTlrbzRKLS1TZUJTWmg5MG12cHVPXzZSZmJzN1FkYzd6cHdUY1l6b0tJMjlfTkZ1aDluUkR0SERXeE9NejdWZ1kyQWt5UWhPbExPZFN1cElpNk1aVm9TN2ZyNjZpTEU4cUJYaEZ0Mkh6S1pmbHMxVHJ4cU16RDY0QU0?oc=5) · appeal-democrat.com
- 2022-02-15 [Bank robber extradited to Redding; confesses to multiple robberies and more - krcrtv.com](https://news.google.com/rss/articles/CBMipwFBVV95cUxQa09pVnd6eE9UTUlwMWpFSTNFak0wWnh0Z0RIa2diX245ZnpxN1JGZ1dvNFp0YWdzcmo0N1oyVTJtQmRsUDVPdS1wUjhBNEFydjBzVzA3TzFjM2FPa2NhMkhxNDd5eWN4OU4xeFpnTHpiUUdhTUMxTmRjdlFkYjVzd3RkaXdTTDRQbXBMamk4SzFzb3plb0lBU3J4UVd2c1A0YWVQb244SQ?oc=5) · krcrtv.com
- 2020-01-21 [Oakland Man Sentenced to More than 8 Years In Prison For 19 Bank Robberies in Northern California - East County Today](https://news.google.com/rss/articles/CBMixAFBVV95cUxQLXV3SzlVT2JRcVVyS3BNcVZzS1ZMOUNqUzhYLTdJZHgxZVJOY0hXb1Y5RHVMU3RjQ1JyblVka1FkYWhNY0Y5NFE1NEFxUE45MWxmelpaVEpjRG5TeDgycndqUDlwa3g1MV96Z01STnVDUzhtMF9nNTUtT1RqYl9uUGdPRC05NGlQSFpnV0ZuYU1Vb3d6VDhZTWxpNGpOM3dZaHpfRHRmc0JWNk9tdHJYLUlSVjdwUHI0N0pmZTdmSXdoSmtq?oc=5) · East County Today
- 2016-11-28 [teen-pleads-no-contest-to-credit-union-robbery - Record Searchlight](https://news.google.com/rss/articles/CBMirAFBVV95cUxObk5DYXdnQThNWkkwMWp5TmFSYURFTXJBSE04c1hKLThtMV80NnRiVnBVWWxaeWlEdlFJNGdScG5McGM1Umg0TkJZdW93cWJULWFpV2JBcXZXdkRQa2tyUFNDV1NDQkpSMzJ1dDZJRmpoRmxCYnFJTTVyWlhDWW9nM2FCajUwNlJvZXpObjhlUVZNMjN2N0JzWG81b1FBYWdhc2MtQ3kyN0lCLWQ4?oc=5) · Record Searchlight
- 2021-04-28 [Appeal’s longtime advertising manager says farewell - appeal-democrat.com](https://news.google.com/rss/articles/CBMi1AFBVV95cUxPS0hCLUlLRnJVQjFYZVJuc0dTRnlRV1EwYUVTR0F4b0xsUk0zWF9vQlhpV01INGRiQU1mZmhidmJHaTRWSmpORXhtazkwdDlJZkxyS3pQbWdiRnF2UjJ6REZqY0lYVmVNVHpXSnlSanB3Wi1OS0R5alkwZXhNdmtWTlRBdS13cXpZVkl2eUFWMnVkWS1EU3FXTlROY1NOUkN2bFljMjZZR25tQWgzeTNJSVgwTEloZFJwbkp4QmktNDM2Qk9QR3RyVFB0UHVKUW5nZVlPdw?oc=5) · appeal-democrat.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68053 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/21.json (key "68053", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=68053
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide