BlastPoint's Credit Union Scorecard
SIERRA CENTRAL
Charter #68053 · CA
SIERRA CENTRAL has 3 strengths but faces 4 concerns
How does the industry compare?
What's your peer group doing?
How does CA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 31.1% in tier
- + Credit Quality Leader: Top 72.3% in tier
- + Net Interest Margin 0.13% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 7.3% in tier
- - Shrinking Wallet Share: Bottom 21.1% in tier
- - ROA 0.29% below tier average
- - Indirect Auto Concentration (%): Bottom 5.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
85,762
+3.8% YoY+1.3% QoQ
|
-12.9K |
98,678
-1.9% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
47% |
| Assets |
$1.5B
+4.0% YoY+1.6% QoQ
|
$-223.8M |
$1.7B
+0.5% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
48% |
| Loans |
$1.0B
-0.9% YoY-0.0% QoQ
|
$-206.1M |
$1.2B
+0.5% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
41% |
| Deposits |
$1.3B
+4.1% YoY+1.6% QoQ
|
$-113.1M |
$1.5B
+1.3% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
53% |
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| ROA |
0.4%
+254.3% YoY+26.0% QoQ
|
-0.3% |
0.7%
+13.4% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
22% |
| NIM |
3.4%
+22.1% YoY+1.2% QoQ
|
+0.1% |
3.3%
+9.3% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
58% |
| Efficiency Ratio |
70.2%
-10.1% YoY-0.4% QoQ
|
-3.8% |
74.0%
-10.9% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
32% |
| Delinquency Rate |
0.4%
-18.5% YoY-16.7% QoQ
|
-0.5 |
0.8%
+6.1% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
18% |
| Loan To Share |
76.6%
-4.8% YoY-1.6% QoQ
|
-8.6% |
85.2%
-0.8% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
25% |
| AMR |
$27,614
-1.8% YoY-0.5% QoQ
|
$-2K |
$29,172
+2.8% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
51% |
| CD Concentration |
31.0%
+4.0% YoY-1.0% QoQ
|
+2.0% |
29.0%
+0.7% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
62% |
| Indirect Auto % |
49.3%
-2.6% YoY-1.4% QoQ
|
+30.5% |
18.8%
-3.0% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
Top 5.0% in tier |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)