BlastPoint's Credit Union Scorecard
SIERRA CENTRAL
Charter #68053 · CA
SIERRA CENTRAL has 2 strengths but faces 6 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
- + Emerging Performer: Top 59.5% in tier
- + Net Interest Margin 0.10% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 30.9% in tier
- - Indirect Auto Dependency: Bottom 76.1% in tier
- - Shrinking Wallet Share: Bottom 89.0% in tier
- - ROA 0.11% below tier average
- - Indirect Auto Concentration (%): Bottom 6.3% in tier
- - Loan Growth Rate: Bottom 9.3% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 37 that size in California.
- Shares and deposits +1.6% year over year ($1.34B in shares and deposits).
- Membership: 86,319 members, +2.0% vs a year ago.
- Delinquency rate 0.55%.
- Return on assets 0.71%.
- Efficiency ratio 67.56% vs a 73.02% peer average.
- Loan-to-share ratio 74.51% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
86,319
+2.0% YoY-0.8% QoQ
|
-10.5K |
96,861
-1.9% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
50% |
| Assets |
$1.5B
+2.2% YoY+0.5% QoQ
|
$-220.0M |
$1.7B
+0.4% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
49% |
| Loans |
$999.4M
-2.7% YoY-0.3% QoQ
|
$-234.9M |
$1.2B
+0.7% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
38% |
| Deposits |
$1.3B
+1.6% YoY+0.1% QoQ
|
$-122.1M |
$1.5B
+0.5% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
53% |
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| ROA |
0.7%
+117.8% YoY+55.9% QoQ
|
-0.1% |
0.8%
+27.6% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
43% |
| NIM |
3.5%
+5.0% YoY-0.5% QoQ
|
+0.1% |
3.4%
+6.6% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
55% |
| Efficiency Ratio |
67.6%
-4.1% YoY+0.7% QoQ
|
-5.5% |
73.0%
-2.7% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
27% |
| Delinquency Rate |
0.6%
+28.9% YoY+9.2% QoQ
|
-0.3 |
0.9%
+7.3% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
33% |
| Loan To Share |
74.5%
-4.2% YoY-0.5% QoQ
|
-10.2% |
84.7%
+0.1% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
20% |
| AMR |
$27,115
-2.3% YoY+0.7% QoQ
|
$-2K |
$29,575
+1.5% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
42% |
| CD Concentration |
31.2%
-0.0% YoY-0.5% QoQ
|
+2.2% | 29.1% | 22.2% | 20.0% | 62% |
| Indirect Auto % |
46.5%
-6.9% YoY-1.7% QoQ
|
+28.5% | 18.1% | 9.2% | 7.7% | Bottom 6.4% in tier |
Signature Analysis
Strengths (1)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (3)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)