SIERRA PACIFIC

Charter #1000 | NV

100M-500M (1077 CUs) Micro
6 100M-500M in NV

SIERRA PACIFIC has 7 strengths but faces 3 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 14.2% in tier
  • + Wallet Share Momentum: Top 21.8% in tier
  • + Relationship Depth Leader: Top 23.9% in tier
  • + ROA 0.21% above tier average
  • + Share Certificate Concentration (%): Top 1.6% in tier
  • + Members Per Employee (MPE): Top 3.8% in tier
  • + First Mortgage Concentration (%): Top 4.0% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 4.2% in tier
  • - Liquidity Overhang: Bottom 14.8% in tier
  • - Fee Income Per Member: Bottom 7.7% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (NV) National Avg Tier Percentile
Members 10,663
-0.1% YoY+0.9% QoQ
 -5.0K 15,628
-3.4% YoY
 31,753
+2.4% YoY
 33,089
+6.1% YoY
 34th in tier
Assets $182.3M
+7.0% YoY+3.6% QoQ
 $-49.0M $231.3M
-0.0% YoY
 $652.3M
+3.7% YoY
 $547.7M
+7.8% YoY
 45th in tier
Loans $97.6M
-1.4% YoY-2.3% QoQ
 $-50.2M $147.8M
-1.4% YoY
 $403.3M
+6.9% YoY
 $388.7M
+8.6% YoY
 33rd in tier
Deposits $156.9M
+7.2% YoY+3.6% QoQ
 $-43.4M $200.3M
-0.0% YoY
 $580.1M
+3.6% YoY
 $464.6M
+9.3% YoY
 44th in tier
ROA 1.0%
+9.5% YoY-7.2% QoQ
 +0.2% 0.8%
+15.5% YoY
 1.0%
-0.0% YoY
 0.7%
+273.4% YoY
 66th in tier
NIM 3.3%
-2.3% YoY+1.1% QoQ
 -0.2% 3.6%
+6.9% YoY
 3.3%
+3.9% YoY
 3.7%
+5.0% YoY
 34th in tier
Efficiency Ratio 67.6%
+1.6% YoY+0.6% QoQ
 -9.7% 77.3%
-3.0% YoY
 67.2%
-0.6% YoY
 79.1%
-3.3% YoY
 Bottom 20.4% in tier
Delinquency Rate 0.4%
-46.1% YoY-6.6% QoQ
 -0.5 0.9%
+7.6% YoY
 0.9%
+2.2% YoY
 1.2%
-0.9% YoY
 27th in tier
Loan To Share 62.2%
-8.0% YoY-5.7% QoQ
 -10.5% 72.7%
-1.5% YoY
 63.1%
+0.5% YoY
 68.0%
-1.7% YoY
 26th in tier
AMR $23,866
+3.8% YoY+0.4% QoQ
 $-497 $24,363
+2.9% YoY
 $28,845
+4.1% YoY
 $19,418
+1.3% YoY
 59th in tier
CD Concentration 0.8%
-89.3% YoY-48.0% QoQ
 -23.6% 24.4%
+4.2% YoY
 18.3%
+6.3% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 34.5%
+4.0% YoY-2.3% QoQ
 +20.6% 14.0%
-5.8% YoY
 22.8%
-3.2% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Emerging Performer

growth
#267 of 627 • Top 14.2% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 1.00%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): -0.07%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#601 of 1006 • Top 21.8% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 3.78%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Relationship Depth Leader

growth
#659 of 1006 • Top 23.9% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 3.78%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.5K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (2)

Indirect Auto Dependency

risk
#69 of 525 • Bottom 4.2% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 7.02%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 34.54%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -0.07%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank improving

Liquidity Overhang

risk
#229 of 552 • Bottom 14.8% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 13.41%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 62.24%
(Tier: 74.56%, National: 67.96%)
worse than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank worsening

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 1077 peers in tier

Top Strengths (5 metrics)

18
Share Certificate Concentration (%)
balance_sheet
Value: 0.80%
Peer Avg: 23.61%
#18 of 1077 Top 1.6% in 100M-500M tier
42
Members Per Employee (MPE)
engagement
Value: 533.150
Peer Avg: 332.881
#42 of 1077 Top 3.8% in 100M-500M tier
44
First Mortgage Concentration (%)
balance_sheet
Value: 2.68%
Peer Avg: 30.43%
#44 of 1077 Top 4.0% in 100M-500M tier
221
Efficiency Ratio
profitability
Value: 67.61%
Peer Avg: 77.28%
#221 of 1077 Top 20.4% in 100M-500M tier
253
Deposit Growth Rate
growth
Value: 7.18%
Peer Avg: 4.69%
#253 of 1077 Top 23.4% in 100M-500M tier

Top Weaknesses (2 metrics)

995
Fee Income Per Member
profitability
Value: $81.38
Peer Avg: $174.31
#995 of 1077 Bottom 7.7% in 100M-500M tier
941
Indirect Auto Concentration (%)
balance_sheet
Value: 34.54%
Peer Avg: 13.34%
#941 of 1077 Bottom 12.7% in 100M-500M tier