BlastPoint's Credit Union Scorecard
SIERRA CENTRAL
Charter #68053 · CA
SIERRA CENTRAL has 1 strength but faces 5 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
- + Net Interest Margin 0.18% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 78.2% in tier
- - Shrinking Wallet Share: Bottom 91.3% in tier
- - ROA 0.26% below tier average
- - Indirect Auto Concentration (%): Bottom 6.5% in tier
- - AMR Growth Rate: Bottom 8.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
87,009
+3.1% YoY+0.9% QoQ
|
-9.0K |
96,048
-2.7% YoY
|
57,202
-0.9% YoY
|
33,913
+5.7% YoY
|
52% |
| Assets |
$1.5B
+2.2% YoY+1.1% QoQ
|
$-222.9M |
$1.7B
+0.4% YoY
|
$1.2B
+0.4% YoY
|
$578.3M
+9.0% YoY
|
48% |
| Loans |
$1.0B
-2.6% YoY-1.1% QoQ
|
$-210.9M |
$1.2B
+0.2% YoY
|
$813.8M
+0.1% YoY
|
$402.4M
+8.7% YoY
|
39% |
| Deposits |
$1.3B
+1.8% YoY+1.2% QoQ
|
$-126.2M |
$1.5B
+0.5% YoY
|
$1.0B
+1.2% YoY
|
$494.3M
+9.1% YoY
|
53% |
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| ROA |
0.5%
+62.5% YoY-1.6% QoQ
|
-0.3% |
0.7%
+27.6% YoY
|
2.1%
+290.7% YoY
|
0.4%
-39.2% YoY
|
27% |
| NIM |
3.5%
+6.9% YoY+3.0% QoQ
|
+0.2% |
3.4%
+6.2% YoY
|
5.0%
+56.5% YoY
|
3.8%
+4.1% YoY
|
61% |
| Efficiency Ratio |
67.1%
-5.2% YoY-3.3% QoQ
|
-7.6% |
74.6%
-3.0% YoY
|
81.3%
-2.7% YoY
|
84.6%
+2.8% YoY
|
18% |
| Delinquency Rate |
0.5%
-11.2% YoY-8.2% QoQ
|
-0.3 |
0.8%
+6.9% YoY
|
0.6%
-45.1% YoY
|
1.2%
+3.4% YoY
|
37% |
| Loan To Share |
74.9%
-4.4% YoY-2.3% QoQ
|
-8.3% |
83.2%
-0.4% YoY
|
67.3%
-0.6% YoY
|
65.6%
-1.4% YoY
|
23% |
| AMR |
$26,919
-3.1% YoY-0.7% QoQ
|
$-3K |
$29,652
+2.3% YoY
|
$28,733
+1.2% YoY
|
$19,920
+1.6% YoY
|
42% |
| CD Concentration |
31.4%
+6.0% YoY+2.0% QoQ
|
+2.5% | 28.8% | 21.6% | 19.8% | 63% |
| Indirect Auto % |
47.3%
-6.7% YoY-1.6% QoQ
|
+29.3% | 18.1% | 9.0% | 7.7% | Bottom 6.5% in tier |
Signature Analysis
Strengths (0)
Concerns (2)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)